<SEC-DOCUMENT>0000950103-22-006754.txt : 20220422
<SEC-HEADER>0000950103-22-006754.hdr.sgml : 20220422
<ACCEPTANCE-DATETIME>20220422105722
ACCESSION NUMBER:		0000950103-22-006754
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220422
FILED AS OF DATE:		20220422
DATE AS OF CHANGE:		20220422

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NatWest Group plc
		CENTRAL INDEX KEY:			0000844150
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			X0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10306
		FILM NUMBER:		22844218

	BUSINESS ADDRESS:	
		STREET 1:		GOGARBURN
		STREET 2:		PO BOX 1000
		CITY:			EDINBURGH, SCOTLAND
		STATE:			X0
		ZIP:			EH12 1HQ
		BUSINESS PHONE:		441315568555

	MAIL ADDRESS:	
		STREET 1:		GOGARBURN
		STREET 2:		PO BOX 1000
		CITY:			EDINBURGH, SCOTLAND
		STATE:			X0
		ZIP:			EH12 1HQ

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ROYAL BANK OF SCOTLAND GROUP PLC
		DATE OF NAME CHANGE:	19950712
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>dp171168_6k.htm
<DESCRIPTION>FORM 6-K
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>FORM 6-K</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>


<P STYLE="margin: 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center"><B>Report of Foreign Private Issuer</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center"><B>Pursuant to Rule 13a-16 or 15d-16
of</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center"><B>the Securities Exchange Act of 1934</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">For 22 April 2022</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Commission File Number: 001-10306</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">NatWest Group plc</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Gogarburn, PO Box 1000</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Edinburgh EH12 1HQ</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">________________________________________________</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">(Address of principal executive offices)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">Indicate by check mark whether the registrant files or will
file annual reports under cover of Form 20-F or Form 40-F.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">Form 20-F __<U>X</U>__ Form 40-F _____</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">Indicate by check mark if the registrant is submitting the
Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">Indicate by check mark if the registrant is submitting the
Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">Indicate by check mark whether the registrant by furnishing
the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the
Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">Yes _____ No __<U>X</U>__</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">If &ldquo;Yes&rdquo; is marked, indicate below the file number
assigned to the registrant in connection with Rule 12g3-2(b): 82- _____</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.2in 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This report on Form 6-K, except for any information contained on any
websites linked in this report, shall be deemed incorporated by reference into the company's Registration Statement on Form F-3 (File
No. 333-261837) and to be a part thereof from the date which it was filed, to the extent not superseded by documents or reports subsequently
filed or furnished.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145F">NatWest Group plc 22 April 2022</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145F">NatWest Group &ndash; Segmental reporting re-presentation</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145F">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">NatWest
Group plc (&ldquo;NatWest Group&rdquo;) has today published details of the change in operating segments that it announced on 27 January
2022 (<FONT STYLE="color: Blue"><U>https://www.natwestgroup.com/news/2022/01/natwest-group-brings-together-new-commercial-institutional-franchise.html</U></FONT></FONT>)<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">.
Previously reported financial information has been re-presented in the new operating segments to aid comparison of NatWest Group&rsquo;s
forthcoming Q1 2022 results with prior periods. The re-presentation does not change the consolidated financial results of NatWest Group.
</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On 27 January 2022, NatWest Group announced that a new franchise, Commercial
&amp; Institutional, would be created, bringing together the Commercial, NatWest Markets and RBS International businesses to form a single
franchise with common management and objectives, to best support our customers across the full non-personal customer lifecycle.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group&rsquo;s operating segments are now:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Symbol; color: #42145F">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Retail Banking</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Symbol; color: #42145F">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Private Banking</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Symbol; color: #42145F">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Commercial &amp; Institutional</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Symbol; color: #42145F">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Central items and other</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Symbol; color: #42145F">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ulster Bank RoI</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Financial information for the years 2019, 2020, and 2021 and the nine
quarters from Q4 2019 to Q4 2021 are re-presented in the attached financial supplement which is also available to view and download at
<FONT STYLE="color: Blue"><U>https://investors.natwestgroup.com/</U></FONT>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group&rsquo;s Q1 2022 results will be announced on 29 April
2022 and will be presented under the new operating segment structure.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For further information, please contact:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Alexander Holcroft<BR>
Investor Relations<BR>
+44 (0) 207 672 1758</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group Press Office<BR>
+44 (0) 131 523 4205</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Legal Entity Identifier: 2138005O9XJIJN4JPN90</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>Forward-looking statements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">This document contains forward-looking statements
within the meaning of the United States Private Securities Litigation Reform Act of 1995, such as statements that include, without limitation,
the words &lsquo;expect&rsquo;, &lsquo;estimate&rsquo;, &lsquo;project&rsquo;, &lsquo;anticipate&rsquo;, &lsquo;commit&rsquo;, &lsquo;believe&rsquo;,
&lsquo;should&rsquo;, &lsquo;intend&rsquo;, &lsquo;will&rsquo;, &lsquo;plan&rsquo;, &lsquo;could&rsquo;, &lsquo;probability&rsquo;, &lsquo;risk&rsquo;,
&lsquo;Value-at-Risk (VaR)&rsquo;, &lsquo;target&rsquo;, &lsquo;goal&rsquo;, &lsquo;objective&rsquo;, &lsquo;may&rsquo;, &lsquo;endeavour&rsquo;,
&lsquo;outlook&rsquo;, &lsquo;optimistic&rsquo;, &lsquo;prospects&rsquo; and similar expressions or variations on these expressions. These
statements concern or may affect future matters, such as NatWest Group's future economic results, business plans and strategies.&nbsp;
In particular, this document may include forward-looking statements relating to NatWest Group plc in respect of, but not limited to: its
creation of the Commercial &amp; Institutional franchise and the intended benefits of the Commercial &amp; Institutional franchise, the
impact of the Covid-19 pandemic, its regulatory capital position and related requirements, its financial position, profitability and financial
performance (including financial, capital, cost savings and operational targets), the implementation of its Purpose-led strategy, its
ESG and climate related targets, its access to adequate sources of liquidity and funding, increasing competition from new incumbents and
disruptive technologies, its exposure to third party risks, its ongoing compliance with the UK ring-fencing regime and ensuring operational
continuity in resolution, its impairment losses and credit exposures under certain specified scenarios, substantial regulation and oversight,
ongoing legal, regulatory and governmental actions and investigations, the transition of LIBOR and IBOR rates to alternative risk free
rates and NatWest Group&rsquo;s exposure to economic and political risks (including with respect to terms surrounding Brexit and climate
change), operational risk, conduct risk, cyber, data and IT risk, financial crime risk, key person risk and credit rating risk.&nbsp;
Forward-looking statements are subject to a number of risks and uncertainties that might cause actual results and performance to differ
materially from any expected future results or performance expressed or implied by the forward-looking statements. Factors that could
cause or contribute to differences in current expectations include, but are not limited to, the impact of the Covid-19 pandemic, future
growth initiatives (including acquisitions, joint ventures and strategic partnerships), the outcome of legal, regulatory and governmental
actions and investigations, the level and extent of future impairments and write-downs (including with respect to goodwill), legislative,
political, fiscal and regulatory developments, accounting standards, competitive conditions, technological developments, interest and
exchange rate fluctuations, general economic and political conditions and the impact of climate-related risks and the transitioning to
a net zero economy. These and other factors, risks and uncertainties that may impact any forward-looking statement or NatWest Group plc's
actual results are discussed in NatWest Group plc's UK 2021 Annual Report and Accounts (ARA) and NatWest Group plc&rsquo;s filings with
the US Securities and Exchange Commission, including, but not limited to, NatWest Group plc's most recent Annual Report on Form 20-F and
Reports on Form 6-K. The forward-looking statements contained in this document speak only as of the date of this document and NatWest
Group plc does not assume or undertake any obligation or responsibility to update any of the forward-looking statements contained in this
document, whether as a result of new information, future events or otherwise, except to the extent legally required.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;<IMG SRC="image_001.jpg" ALT=""></P>

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145F"><B>Financial Supplement: re-presentation of operating
segments</B></P>

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145F">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On 27 January 2022, NatWest Group plc (&quot;NatWest Group&quot;) announced
that a new franchise, Commercial &amp; Institutional, would be created, bringing together the Commercial, NatWest Markets and RBSI businesses
to form a single franchise, with common management and objectives, to best support our customers across the full non-personal customer
lifecycle.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This financial supplement presents the impact of the change in operating
segments on the previously reported financial information for the years 2019, 2020, and 2021 and the nine quarters from Q4 2019 to Q4
2021. This document has been prepared to aid comparison of NatWest Group's forthcoming Q1 2022 results with prior periods. The re-presentation
of operating segments does not change the consolidated financial results of NatWest Group.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Other presentational changes will be made in the Q1 2022 results and
are reflected in this document. These include:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">&bull;</TD><TD>Strategic costs are included in Other operating expenses and not reported separately.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">&bull;</TD><TD>From 1 January 2022, NatWest Group is subject to the requirements of the final PRA rulebook, so capital and leverage ratios are now
presented on a transitional basis rather than the previous end-point basis. Comparatives have been re-presented on a transitional basis
under the arrangements in place in the previous CRR.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">&bull;</TD><TD>Bank net interest margin (NIM) is calculated for the Go-forward group and excludes the Commercial &amp; Institutional trading book
and the liquid asset buffer (LAB).</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">&bull;</TD><TD>Loan:deposit ratio has been re-presented to exclude reverse repos and repos.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Presentation of information</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Key operating indicators</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group prepares its financial statements in accordance with generally
accepted accounting principles (GAAP). The results contain a number of adjusted or alternative performance measures, also known as non-GAAP
or non-IFRS performance measures. These measures are adjusted for notable and other defined items which management believes are not representative
of the underlying performance of the business and which distort period-on-period comparison. The non-IFRS measures provide users of the
financial statements with a consistent basis for comparing business performance between financial periods and information on elements
of performance that are one-off in nature. The non-IFRS measures also include metrics that are used throughout the banking industry. These
non-IFRS measures are not measures within the scope of IFRS and are not a substitute for IFRS measures. &nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The basis of preparation of these non-IFRS financial measures and performance
metrics is presented in the NatWest Group plc 2021 Annual Report and Accounts.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">22 April 2022</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #42145F"><B>natwestgroup.com</B></P>

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    <TD STYLE="text-align: center; width: 5%"><FONT STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Page</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Section</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>1</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Highlights</B></FONT></TD>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>1.1</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Income statement</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3</B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>1.2</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Balance sheet</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>4</B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Section</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>2</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Business performance review</B></FONT></TD>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>2.1</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Income statement and analysis</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>5 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>2.2</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Capital and leverage ratios</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>6 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Section</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Segment performance</B></FONT></TD>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3.1</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Key measures segment performance</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>7 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3.2</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Analysis of net fees and commissions</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>19 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3.3</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Retail Banking</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>25 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3.4</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Private Banking</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>27 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3.5</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Commercial &amp; Institutional</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>29 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3.6</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Ulster Bank RoI</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>31 </B></FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>3.7</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Central items &amp; other</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>35 </B></FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Presentation
    of information</B></FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #42145F"><B>Ulster
    Bank RoI</B></FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #42145F"><B>Continuing
    operations</B></FONT></TD></TR>
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    <TD COLSPAN="4" STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Two
    legally binding agreements for the sale of the UBIDAC business were announced in 2021 as part of the phased withdrawal from the Republic
    <BR>
    of Ireland: the sale of commercial </FONT></TD></TR>
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    <TD COLSPAN="4" STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">lending
    to Allied Irish Banks p.l.c. (AIB) and the sale of performing non-tracker mortgages, performing micro-SME <BR>
    loans, UBIDAC&rsquo;s asset finance business and 25 of its branch locations to </FONT></TD></TR>
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    <TD COLSPAN="4" STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Permanent
    TSB p.l.c (PTSB). The business activities relating to these sales that meet the requirements of IFRS 5 are presented as discontinued
    operations and as a disposal </FONT></TD></TR>
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    <TD COLSPAN="4" STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">group
    at 31 December 2021. The Financial review in the NatWest Group plc 2021 Annual Report and Accounts presents the results of the Group&rsquo;s
    continuing operations. For further </FONT></TD></TR>
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    <TD STYLE="white-space: nowrap; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">details
    refer to Note 8 Discontinued operations and assets and liabilities of disposal groups in the Notes to the consolidated financial
    statements.</FONT></TD>
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    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    1.1 - Income statement</FONT></TD></TR>
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    consolidated income statement</FONT></TD>
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    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-size: 10pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Full
    year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">Full Year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">Full Year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">Continuing operations</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Net
    interest income</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,971</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7,799</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,877</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,842</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,856</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,901</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7,476</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,864</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,919</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,889</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,942</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7,614</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(22)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(80)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">155</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(102)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(43)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(24)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Strategic disposals&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,035</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Net fees and commissions</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">611</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,497</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">570</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">462</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">449</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">519</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,000</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">503</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">518</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">528</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">575</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,124</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Income from trading activities</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">160</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,012</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">437</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">312</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">286</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">114</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,149</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">158</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">72</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">94</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(7)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">317</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Other operating income</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,442</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,724</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">53</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">90</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(207)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(29)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(93)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">64</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">84</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">195</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">108</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">451</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total
    non-interest income</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2,191</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,188</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,215</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">762</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">494</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">561</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,032</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">727</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">672</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">819</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">680</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2,898</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">4,162</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">13,987</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">3,092</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">2,604</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">2,350</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">2,462</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">10,508</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">2,591</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">2,591</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">2,708</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">2,622</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">10,512</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(85)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(895)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">85</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(194)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(113)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(16)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">34</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(294)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(190)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(466)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2,431)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(8,385)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,834)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,981)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,795)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2,135)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(7,745)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,788)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,729)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,637)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2,138)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(7,292)</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Operating
    expenses</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(2,516)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(9,280)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,830)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,896)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,803)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(2,329)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7,858)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,804)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,695)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,931)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(2,328)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7,758)</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Operating profit before impairment
    losses/releases</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,646</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">4,707</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,262</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">708</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">547</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">133</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,650</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">787</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">896</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">777</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">294</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,754</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(164)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(724)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(783)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1,963)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(246)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(139)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(3,131)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">98</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">606</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">233</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">341</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,278</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-top: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Operating
    profit/(loss) before tax</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,482</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,983</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">479</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,255)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">301</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(481)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">885</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,502</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,010</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">635</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,032</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Tax (charge)/credit</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(37)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(439)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(188)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">396</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(207)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(75)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(74)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(233)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(199)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(330)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(234)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(996)</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; vertical-align: middle; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Profit/(loss)
    from continuing operations</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,445</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">3,544</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">291</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(859)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">94</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(81)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(555)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">652</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,303</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">680</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">401</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">3,036</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Profit/(loss) from discontinued operations, net of tax</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">65</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">256</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">40</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">55</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">61</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">121</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">61</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">54</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">64</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">97</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">276</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Profit/(loss)
    for the period</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,510</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,800</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">331</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(894)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">149</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(20)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(434)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">713</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,357</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">744</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">498</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,312</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Attributable to:</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Ordinary shareholders</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,411</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">3,133</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">288</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(994)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">62</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(109)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(753)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">620</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,222</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">674</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">434</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,950</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Other owners</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">99</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">406</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">105</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">103</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">85</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">88</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">381</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">92</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">95</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">68</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">63</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">318</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Non-controlling interests</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">261</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(62)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(62)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">40</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">44</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; width: 36%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-size: 10pt; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">Full Year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Key
    metrics and ratios</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">60.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">66.0%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">58.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">72.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">76.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">94.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">74.4%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">69.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">64.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">88.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">73.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">Earnings/(loss) per ordinary share</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="font-size: 8pt">- basic&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">11.7p</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">26.0p</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">2.4p</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(8.2p)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.5p</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.9p)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(6.2p)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">5.1p</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">10.6p</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">5.8p</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">3.8p</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.4p</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Go-forward group return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">19.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10.2%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(10.1%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1.3%)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10.0%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Group return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9.4%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(12.4%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1.4%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2.4%)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9.4%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Average tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,908</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">33,200</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32,107</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32,081</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,663</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,753</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,902</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,233</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,299</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,625</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,168</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,332</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">Average number of ordinary shares outstanding during</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">the period (millions)</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,078</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,067</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,074</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,085</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,110</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,112</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,095</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,065</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11,563</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11,526</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11,341</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11,622</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; width: 100%"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(1) Total operating expenses less operating lease depreciation
    divided by total income less operating lease depreciation.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(2) Return on tangible equity is annualised profit or
    loss for the period attributable to ordinary shareholders divided by average tangible equity. Average tangible equity is average
    total equity excluding non-controlling interests less</FONT> <FONT STYLE="font-size: 8pt">average intangible
    assets and average other owners' equity.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 100%"><FONT STYLE="font-size: 10pt">Highlights</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    1.2 - Balance sheet</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 34%"><FONT STYLE="font-size: 8pt">Consolidated balance sheet</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; font-weight: bold; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 December</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 December</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 December</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Cash and balances at central banks&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">80,993</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">81,085</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">105,242</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">111,681</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">124,489</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">140,347</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">151,511</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">164,851</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">177,757</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Trading assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">76,745</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">81,843</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">72,402</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70,820</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">68,990</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">65,558</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70,195</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">66,357</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">59,158</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">150,029</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">208,734</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">183,419</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">164,311</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">166,523</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">122,955</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">109,556</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">103,770</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">106,139</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">Settlement balances</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">4,387</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">9,840</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,806</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">10,947</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,297</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,013</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,793</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,140</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2,141</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">Loans to banks - amortised cost&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,554</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">9,306</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,011</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,571</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,955</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,239</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,176</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">9,251</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,682</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">Loans to customers - amortised cost</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">326,947</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">351,328</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">352,341</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">353,691</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">360,544</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">358,728</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">362,711</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">361,022</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">358,990</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Other financial assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">61,452</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">60,822</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">62,727</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">58,736</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">55,148</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">52,323</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">51,469</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">47,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">46,145</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">Intangible assets</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,622</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,619</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,602</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,600</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,655</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,666</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,694</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,723</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,723</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">Other assets</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,310</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,067</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,337</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,204</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,890</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,947</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7,753</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">11,164</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">8,242</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: middle"><FONT STYLE="font-size: 8pt">Assets of disposal groups</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">9,015</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid; background-color: white"><FONT STYLE="font-size: 8pt">Total
    assets</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">723,039</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">817,644</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">806,887</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">791,561</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">799,491</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">769,776</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">775,858</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">778,278</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">781,992</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Bank deposits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">20,493</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">26,733</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">21,119</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18,666</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">20,606</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18,610</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">14,394</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17,375</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">26,279</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">369,247</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">384,800</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">408,268</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">418,358</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">431,739</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">453,308</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">467,214</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">476,319</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">479,810</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Settlement balances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4,069</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,905</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6,895</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9,839</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5,545</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,234</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,119</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,792</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,068</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Trading liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">73,949</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">80,767</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">75,540</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">73,023</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">72,256</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70,508</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">75,847</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70,946</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">64,598</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">146,879</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">204,477</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">179,859</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">160,532</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">160,705</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">116,015</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">103,992</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">98,560</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">100,835</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Other financial liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">45,220</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">47,870</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">49,681</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">48,848</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">45,811</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,743</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">46,118</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">47,857</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">49,326</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Subordinated liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9,979</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10,898</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">13,558</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10,467</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9,962</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,078</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,696</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,675</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,429</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Notes in circulation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,109</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,009</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,146</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,308</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,655</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,705</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,906</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3,037</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3,047</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Other liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7,538</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7,062</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,760</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,370</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,388</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,926</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,687</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,830</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,797</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">679,483</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">773,521</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">763,826</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">748,411</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">755,667</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">727,127</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">731,973</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">736,391</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">740,189</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Equity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Owners' equity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,547</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">44,163</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,103</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,188</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,860</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">42,684</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,875</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">41,876</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">41,796</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Non-controlling interests</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">9</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(40)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(42)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(38)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(36)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">10</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total equity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,556</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">44,123</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,061</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,150</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,824</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">42,649</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,885</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">41,887</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">41,803</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total liabilities
    and equity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">723,039</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">817,644</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">806,887</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">791,561</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">799,491</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">769,776</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">775,858</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">778,278</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">781,992</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Contingent liabilities
    and commitments</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;124,997</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;118,252</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;124,314</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;125,714</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;128,732</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;122,549</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;123,509</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;124,809</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;125,367</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 100%"><FONT STYLE="font-size: 10pt">Highlights</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    1.2 - Balance sheet <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 700; color: #42145F">and
    key metrics</FONT></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt"></FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 28%"><FONT STYLE="font-size: 8pt">Key metrics and ratios</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">31
    December</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right; width: 7%"><FONT STYLE="font-size: 8pt">31
    March</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">30
    June</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">30
    September</FONT></TD>
    <TD STYLE="color: #42145F; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right; width: 7%"><FONT STYLE="font-size: 8pt">31
    December</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt; width: 8%"><FONT STYLE="font-size: 8pt">31
    March</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt; width: 8%"><FONT STYLE="font-size: 8pt">30
    June</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt; width: 7%"><FONT STYLE="font-size: 8pt">30
    September</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt; width: 8%"><FONT STYLE="font-size: 8pt">31
    December</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Tangible net asset value (TNAV) per ordinary share</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">268p</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">273p</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">264p</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">265p</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">261p</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">261p</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">266p</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">269p</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">272p</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Liquidity coverage ratio (LCR)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">152%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">152%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">166%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">157%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">165%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">158%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">164%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">166%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">172%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Liquidity portfolio (&pound;m) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">199,000</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">201,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">243,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">243,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">262,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">263,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">277,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">278,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">286,000</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net stable funding ratio (NSFR) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">141%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">138%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">144%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">147%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">151%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">153%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">154%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">155%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">157%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Loan:deposit ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(3)</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">86%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">87%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">82%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">81%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">79%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">77%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">75%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">74%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">72%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Short-term wholesale funding (&pound;m)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">19,422</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,615</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,163</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">24,506</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18,704</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">20,320</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,750</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,299</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">23,029</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Wholesale funding (&pound;m)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">74,874</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">85,679</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">85,678</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">75,250</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70,721</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">61,424</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">65,714</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">66,713</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">76,722</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Common Equity Tier 1 (CET1) ratio</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16.2%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">179.2</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">185.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">181.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">173.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">170.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">164.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">163.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">159.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">157.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">UK leverage ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(4)</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.1%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5.9%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Tangible equity (&pound;m)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32,371</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32,990</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32,006</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32,093</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">31,712</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">30,126</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">30,751</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">30,769</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">30,689</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Number of ordinary shares in issue (millions)&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12,094</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12,094</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12,125</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12,127</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12,129</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11,560</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11,569</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11,436</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11,272</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; width: 100%"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(1) Liquidity portfolio approach has been aligned to the
    ILAAP methodology with effect from December 2019.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(2) NSFR reported in line with CRR2 regulations finalised
    in June 2019.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(3) Net customer loans held at amortised cost, excluding
    reverse repos, divided by total customer deposits, excluding repos.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(4) The UK leverage exposure is calculated in accordance
    with the Leverage Ratio (CRR) part of the PRA Rulebook. For additional information, refer to page 6.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt"></FONT></P>

<!-- Field: Page; Sequence: 6 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 100%"><FONT STYLE="font-size: 10pt">Business performance review</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    2.1 - Income statement and analysis</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 25%"><FONT STYLE="font-size: 8pt">Net interest margin</FONT></TD>
    <TD STYLE="font-size: 8pt; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">Continuing operations</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net interest income</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,971</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,799</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,877</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,842</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,856</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,901</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,476</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,864</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,919</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,889</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,942</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,614</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Average interest-earning assets (IEA)</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- NatWest Group</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">447,030</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">439,994</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">449,266</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">487,778</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">498,453</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">499,793</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">483,719</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">502,515</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">516,431</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">527,886</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">551,577</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">524,886</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Bank <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">301,605</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">295,167</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">307,372</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">315,402</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">317,981</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">316,217</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">314,279</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">320,863</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">322,971</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">325,361</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">329,493</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">324,805</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Retail Banking&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">172,896</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">167,186</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">177,394</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">179,777</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">182,197</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">186,105</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">181,383</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">191,183</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">193,782</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">197,535</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">201,546</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">196,044</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Private Banking&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,379</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">21,689</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,673</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">23,271</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">24,032</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">25,231</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">23,806</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">26,034</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">26,823</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">27,510</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">28,499</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">27,224</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Commercial &amp; Institutional&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">214,567</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">211,289</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">215,353</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">235,989</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">239,998</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">239,599</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">232,772</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">235,920</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">235,812</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">237,946</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">244,819</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">238,647</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Ulster Bank RoI <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15,650</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16,538</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15,695</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16,695</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17,549</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17,040</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16,600</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16,032</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16,115</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15,701</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15,018</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15,854</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">- Liquid asset buffer</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">129,775</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">128,289</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">126,199</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">155,681</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">162,922</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">166,536</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">152,840</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">165,620</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">177,345</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">186,824</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">207,066</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">184,227</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Gross yield on interest-earning assets of the banking business</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.47%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.51%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.36%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.06%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.93%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.83%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.01%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.80%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.78%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.73%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.68%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Cost of interest-bearing liabilities of the banking business</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1.11%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1.10%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1.02%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.75%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.67%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.49%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.69%)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.48%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.44%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.47%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.43%)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.46%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Interest spread of the banking business</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.36%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.41%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.34%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.31%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.26%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.34%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.32%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.32%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.34%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.26%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.25%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.29%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Benefit from interest free funds</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.39%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.36%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.34%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.21%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.22%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.17%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.23%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.18%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.15%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.16%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.15%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.16%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net interest margin</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- NatWest Group</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.75%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.77%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.68%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.52%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.48%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.51%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.55%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.50%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.49%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.42%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.40%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.45%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Bank <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.55%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.59%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.41%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.31%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.29%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.35%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.34%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.33%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.35%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.28%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.32%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.32%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Retail Banking&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.32%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.47%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.28%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.18%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.05%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.03%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.13%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.06%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.08%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.09%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.08%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.08%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Private Banking&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.30%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.40%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.25%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.14%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.99%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.86%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.05%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.79%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.75%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.76%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.75%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.76%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- Commercial &amp; Institutional&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.53%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.48%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.39%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.34%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.28%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.24%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.31%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.26%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.30%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.21%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.25%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.26%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 0.5pt solid; vertical-align: bottom; text-align: left"><FONT STYLE="font-size: 8pt">- Ulster Bank
    RoI</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">nm</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; width: 84%"><FONT STYLE="font-size: 8pt">nm = not meaningful</FONT></TD>
    <TD STYLE="font-size: 8pt; width: 16%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD>
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font-size: 12pt"><FONT STYLE="font-size: 8pt">(1) NatWest Group excluding Commercial &amp; Institutional trading
    book, Ulster Bank RoI and liquid asset buffer.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font-size: 12pt"><FONT STYLE="font-size: 8pt">(2) Average interest-earning assets exclude assets of disposal
    groups.&nbsp;</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<!-- Field: Page; Sequence: 7 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 100%"><FONT STYLE="font-size: 10pt">Business performance review</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    2.2 - Capital and leverage ratios</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; vertical-align: top; width: 32%"><FONT STYLE="font-size: 8pt">Capital
    and leverage ratios</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; width: 7%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 December</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 December&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">31 December</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Risk asset ratios</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-size: 8pt">CET1</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-size: 8pt">Tier 1</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">19.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">19.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">20.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">20.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">21.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">21.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">21.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">21.0%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">22.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">23.0%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">24.1%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">25.0%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">25.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">24.8%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">25.6%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">25.2%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">24.7%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">Capital <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">Tangible
    equity</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">32,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">32,990</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">32,006</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">32,093</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">31,712</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">30,126</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">30,751</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">30,769</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">30,689</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Expected losses less impairment provisions</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(167)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Prudential valuation adjustment</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(431)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(531)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(370)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(341)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(286)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(436)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(285)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(264)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(274)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Deferred tax assets</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(757)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(722)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(844)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(835)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(760)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(750)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(832)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(765)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(761)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(118)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(519)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(244)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(154)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">21</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Pension fund assets&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(474)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(488)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(588)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(590)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(579)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(570)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(384)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(385)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(465)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Cash flow hedging reserve</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(259)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(341)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(300)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(229)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">38</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">77</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">254</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">395</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Foreseeable ordinary dividends</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(968)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(364)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(547)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(500)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(402)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(846)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Foreseeable charges and pension contributions</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(365)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(266)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(924)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(816)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1,190)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Prudential amortisation of software development costs</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">473</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">524</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">537</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">476</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">411</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Adjustment under IFRS 9 transitional arrangements</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">296</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,578</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,719</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,747</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,655</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,198</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">973</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">621</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Insufficient coverage for non-performing exposures</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(5)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">Other deductions</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Total deductions</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(3,317)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2,223)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(809)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(501)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(265)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(80)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1,091)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(907)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2,093)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">CET1
    capital</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">29,054</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">30,767</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">31,197</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">31,592</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">31,447</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">30,046</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">29,660</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">29,862</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">28,596</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">End
    point AT1 capital</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,051</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,051</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,990</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,990</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,983</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,380</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,916</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,875</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,875</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">Grandfathered
    instrument transitional arrangements</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,506</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,559</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,564</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">840</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">830</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">710</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">569</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">571</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">571</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">AT1 capital</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,557</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,610</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,554</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,830</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,813</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,090</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,485</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,446</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,446</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Tier 1 capital</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">34,611</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">36,377</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">36,751</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">36,422</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">37,260</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">36,136</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">36,145</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">34,308</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">33,042</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">End
    point T2 capital</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,900</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,883</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,596</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,710</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,255</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,118</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,973</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,522</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-right: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,402</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">Grandfathered
    instrument transitional arrangements</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,312</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,344</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,340</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,283</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,218</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-left: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">673</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">540</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">362</FONT></TD>
    <TD STYLE="border-right: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">304</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Tier 2 capital</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6,212</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6,227</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6,936</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6,993</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6,473</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4,791</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5,513</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5,884</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5,706</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Total
    regulatory capital</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">40,823</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">42,604</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,687</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,415</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43,733</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">40,927</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">41,658</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">40,192</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">38,748</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Risk-weighted assets</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Credit risk</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">131,012</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">136,354</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">135,657</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">132,387</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">129,914</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">125,131</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">122,475</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">122,270</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">120,116</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Counterparty credit risk</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,631</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">13,917</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,354</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10,170</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9,104</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,579</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,619</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8,475</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,907</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Market risk</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,930</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12,998</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11,517</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9,399</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9,362</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9,962</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10,845</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,979</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7,917</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Operational risk</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">22,599</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,930</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,930</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,930</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,930</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,031</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,031</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,031</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21,031</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Total
    RWAs</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">179,172</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">185,199</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">181,458</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">173,886</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">170,310</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">164,703</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">162,970</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">159,755</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">156,971</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">31
    December</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">31
    March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">30
    June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">30
    September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">31
    December</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">31
    March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">30
    June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">30
    September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">31 December</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Leverage</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Cash and balances at central banks</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">80,993</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">81,085</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">105,242</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">111,681</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">124,489</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">140,347</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">151,511</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">164,851</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">177,757</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Trading assets</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">76,745</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">81,843</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">72,402</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70,820</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">68,990</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">65,558</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">70,195</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">66,357</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">59,158</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Derivatives</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">150,029</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">208,734</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">183,419</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">164,311</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">166,523</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">122,955</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">109,556</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">103,770</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">106,139</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Other financial assets&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">395,953</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">421,456</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">423,079</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">418,998</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">422,647</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">418,290</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">422,356</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">417,273</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">412,817</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Other assets</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">19,319</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">24,526</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,745</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">25,751</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16,842</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,626</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22,240</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">26,027</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17,106</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Assets of disposal groups</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">9,015</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Total assets</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">723,039</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">817,644</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">806,887</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">791,561</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">799,491</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">769,776</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">775,858</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">778,278</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">781,992</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Derivatives</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- netting and variation margin</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(157,778)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(220,973)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(194,387)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(172,389)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(172,658)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(126,250)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(112,441)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(107,160)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(110,204)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- potential future exposures</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,004</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">46,254</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">44,019</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">40,439</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">38,171</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">38,279</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">37,468</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">36,382</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">35,035</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Securities financing transactions gross up</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,224</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,484</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,312</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,193</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,179</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3,249</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,486</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,903</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,397</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Undrawn commitments</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">42,363</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">39,580</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,484</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">44,650</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">45,853</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,734</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">43,979</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">44,292</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">44,240</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Regulatory deductions and other adjustments</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(8,978)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(8,818)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(14,579)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(17,167)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(8,943)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(14,535)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(13,831)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(14,340)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(8,980)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Claims on central banks</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(73,544)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(73,101)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(96,373)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(103,906)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(122,252)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(137,685)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(148,644)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(161,688)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(174,148)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Exclusion of bounce bank loans&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(5,248)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7,492)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8,283)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8,609)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8,239)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7,845)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7,474)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">UK leverage exposure <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">570,330</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">603,070</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">585,115</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">576,889</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">572,558</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">567,959</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">575,636</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">569,822</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">561,858</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Tier 1 capital&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">34,611</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">36,377</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">36,751</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">36,422</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">37,260</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">36,136</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">36,145</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">34,308</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">33,042</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">UK leverage ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.0%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.3%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.3%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.4%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.3%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.0%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.9%</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="2" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; width: 100%"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: -0.25in; padding-left: 0.25in; font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(1)&nbsp;&nbsp;&nbsp;Based on the PRA Rulebook Instrument
    transitional arrangements, therefore includes the transitional relief on grandfathered capital instruments and the transitional
    arrangements for the capital impact of IFRS 9 expected credit loss&nbsp;(ECL) accounting. The impact of the IFRS 9 transitional
    adjustments at 31 December 2021 was &pound;0.6 billion CET1 capital, &pound;0.5 billion total capital and &pound;36 million RWAs.
    Excluding these adjustments, the CET1 ratio would be 17.8%. The transitional relief on grandfathered instruments at 31 December 2021
    was &pound;0.9 billion. Excluding both the transitional relief on grandfathered capital instruments and the transitional
    arrangements for the capital impact of IFRS 9 expected credit loss (ECL) accounting, the end-point Total capital ratio would be
    23.8%.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: -0.25in; padding-left: 0.25in; font-size: 12pt; text-align: left"><FONT STYLE="font-size: 8pt">(2) &nbsp;&nbsp;The UK leverage exposure is calculated in accordance
    with the Leverage Ratio (CRR) part of the PRA Rulebook and transitional Tier 1 capital is calculated in accordance with the PRA Rulebook
    Instrument as explained in note 1 above.</FONT> <FONT STYLE="font-size: 8pt">Excluding the IFRS 9 transitional adjustment, the
    UK leverage ratio at 31 December 2021 would be 5.8%.&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt; text-align: left"></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<!-- Field: Page; Sequence: 8 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt"></FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 100%"><FONT STYLE="font-size: 10pt">Segment performance</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    3.1 - Key measures segment performance</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold"><FONT STYLE="font-size: 10pt">Segment performance</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: right; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 14pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-size: 14pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 10pt">Year
    ended 31 December 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-size: 10pt">Go-forward
    group</FONT></TD>
    <TD STYLE="color: #42145F; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Retail <BR>
    Banking</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Private <BR>
    Banking</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Commercial &amp;
    Institutional</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Central <BR>
    items &amp; <BR>
    other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Total excluding Ulster
    Bank RoI</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Ulster <BR>
    Bank RoI</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Total <BR>
    NatWest <BR>
    Group</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 10pt">Continuing
    operations</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 10pt">Income statement</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Net interest income</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4,074</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">480</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,974</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(14)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">7,514</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">7,614</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Own credit adjustments</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Other non-interest income</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">336</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,858</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">199</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,764</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">128</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2,892</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Total
    income</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">4,445</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">816</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">4,838</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">185</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">10,284</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">228</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">10,512</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Direct expenses</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(805)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(200)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1,773)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(4,222)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(7,000)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(292)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(7,292)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Indirect expenses</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(1,632)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(323)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(1,873)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">3,979</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">151</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(151)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Other operating expenses</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(2,437)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(523)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(3,646)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(243)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(6,849)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(443)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(7,292)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(76)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(111)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(243)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(427)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(39)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(466)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Operating
    expenses</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(2,513)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(520)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(3,757)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(486)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(7,276)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(482)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(7,758)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Operating profit/(loss) before impairment releases</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">1,932</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">296</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">1,081</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(301)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">3,008</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(254)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2,754</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Impairment releases</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">36</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">54</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,160</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,250</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">28</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,278</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Operating profit/(loss)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,968</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">350</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">2,241</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(301)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">4,258</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(226)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">4,032</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 10pt">Additional information</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(3)</FONT></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">26.1%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">17.0%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">10.9%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(4)</FONT></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">56.5%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">63.7%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">77.0%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">70.3%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">73.4%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">210.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">425.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">93.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">759.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">782.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(5)</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">210.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">321.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">92.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">653.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">675.9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">182.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">124.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">352.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">359.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Loan impairment rate</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.02%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.29%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.92%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.35%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.35%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1.5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1.7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(3.3)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(3.8)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Impairment provisions - stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1.6)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.4)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(2.0)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">188.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">39.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">217.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">15.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">461.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">479.8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">98.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">147.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">157.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(3)</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">99.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">150.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">159.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">14.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">1.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">11.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">27.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">56.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">1.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">57.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(6)</FONT></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.66%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.36%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.71%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Third party customer funding
    rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(6)</FONT></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(0.06%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">0.00%</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(0.02%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">0.02%</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">For the notes to this table refer to page 18.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 9 -->
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 100%"><FONT STYLE="font-size: 10pt">Segment performance</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 12pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 35%"><FONT STYLE="font-size: 10pt">Segment performance</FONT></TD>
    <TD STYLE="color: #003366; font-size: 14pt; font-weight: bold; width: 5%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-size: 14pt; font-weight: bold; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: right; width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; width: 8%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 7%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; width: 7%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 7%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 9%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; width: 7%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 7%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-size: 14pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-size: 14pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-size: 14pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 10pt">Quarter
    ended 31 December 2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-size: 10pt">Go-forward
    group</FONT></TD>
    <TD STYLE="color: #003366; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Retail <BR>
    Banking</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Private <BR>
    Banking</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Commercial &amp;
    Institutional</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Central <BR>
    items &amp; <BR>
    other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Total excluding Ulster
    Bank RoI</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Ulster <BR>
    Bank RoI</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">Total <BR>
    NatWest <BR>
    Group</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 10pt">Continuing
    operations</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 10pt">Income statement</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Net interest income</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,057</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">126</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">764</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(28)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,919</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">23</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,942</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Own credit adjustments</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Other non-interest income</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">107</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">127</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">401</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">21</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">656</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">20</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">676</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Total
    income</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,164</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">253</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,168</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">2,579</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">43</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">2,622</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Direct expenses</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(281)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(61)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(482)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1,236)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(2,060)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(78)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(2,138)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Indirect expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(441)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(89)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(530)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">1,086</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">26</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(26)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Other operating expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(722)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(150)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(1,012)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(150)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(2,034)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(104)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(2,138)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(52)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(47)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(59)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(163)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(27)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(190)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Operating
    expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(774)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(155)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(1,059)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(209)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(2,197)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(131)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(2,328)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Operating profit/(loss) before impairment losses/releases</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">390</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">98</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">109</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(215)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">382</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">(88)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">294</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">12</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">317</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">328</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">13</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">341</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Operating profit/(loss)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">385</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">110</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">426</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(211)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">710</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(75)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">635</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 10pt">Additional information</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">5.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(3)</FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">19.7%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">21.3%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">8.3%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">na</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(4)</FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">66.5%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">61.3%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">90.4%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">85.0%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">88.6%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Total assets (&pound;bn)</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">210.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">425.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">93.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">759.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">782.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(5)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">210.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">29.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">321.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">92.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">653.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">22.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">675.9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">182.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">124.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">27.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">352.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">6.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">359.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Loan impairment rate</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">0.01%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.26%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1.01%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.37%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.38%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1.5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1.7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(3.3)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(3.8)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Impairment provisions - stage 3 (&pound;bn)</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1.6)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(0.4)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(2.0)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">188.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">39.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">217.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">15.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">461.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">18.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">479.8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">98.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">147.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">157.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(3)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">36.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">99.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">2.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">150.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">159.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">14.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">1.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">11.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">27.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">56.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">1.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">57.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(6)</FONT></FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.58%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.34%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">2.75%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Third party customer funding
    rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(6)</FONT></FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(0.05%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">0.00%</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">(0.01%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">0.05%</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 10pt">nm</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">For the notes to this table refer to page 18.</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; width: 100%"><FONT STYLE="font-size: 10pt">Segment performance</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 14pt; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 10pt">Section
    3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10 Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; width: 35%">Segment performance</TD>
    <TD STYLE="color: #003366; font-weight: bold; width: 5%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; width: 2%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; width: 8%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 8%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; width: 8%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 8%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 9%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; width: 8%">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; width: 8%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 September 2021&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,041</TD>
    <TD STYLE="text-align: right">122</TD>
    <TD STYLE="text-align: right">723</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD STYLE="text-align: right">1,866</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">1,889</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">90</TD>
    <TD STYLE="text-align: right">73</TD>
    <TD STYLE="text-align: right">471</TD>
    <TD STYLE="text-align: right">127</TD>
    <TD STYLE="text-align: right">761</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD STYLE="text-align: right">817</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,131</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">195</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,196</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">107</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,629</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">79</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,708</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(165)</TD>
    <TD STYLE="text-align: right">(47)</TD>
    <TD STYLE="text-align: right">(417)</TD>
    <TD STYLE="text-align: right">(935)</TD>
    <TD STYLE="text-align: right">(1,564)</TD>
    <TD STYLE="text-align: right">(73)</TD>
    <TD STYLE="text-align: right">(1,637)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(372)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(72)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(428)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">912</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">40</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(40)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(537)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(119)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(845)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(23)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,524)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(113)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,637)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(15)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(29)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(254)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(295)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(294)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(552)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(116)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(874)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(277)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,819)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(112)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,931)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses/releases</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">579</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">79</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">322</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(170)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">810</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(33)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">777</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Impairment (losses)/releases</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(16)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">15</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">230</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(3)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">226</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">7</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">233</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">563</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">94</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">552</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(173)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,036</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(26)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,010</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">8.5%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">29.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">18.1%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">11.0%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">48.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">59.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">72.2%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">68.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">70.9%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">207.6</TD>
    <TD STYLE="text-align: right">28.2</TD>
    <TD STYLE="text-align: right">436.0</TD>
    <TD STYLE="text-align: right">81.3</TD>
    <TD STYLE="text-align: right">753.1</TD>
    <TD STYLE="text-align: right">25.2</TD>
    <TD STYLE="text-align: right">778.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">207.6</TD>
    <TD STYLE="text-align: right">28.2</TD>
    <TD STYLE="text-align: right">333.9</TD>
    <TD STYLE="text-align: right">79.6</TD>
    <TD STYLE="text-align: right">649.3</TD>
    <TD STYLE="text-align: right">25.2</TD>
    <TD STYLE="text-align: right">674.5</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">180.5</TD>
    <TD STYLE="text-align: right">18.4</TD>
    <TD STYLE="text-align: right">125.4</TD>
    <TD STYLE="text-align: right">23.5</TD>
    <TD STYLE="text-align: right">347.8</TD>
    <TD STYLE="text-align: right">13.2</TD>
    <TD STYLE="text-align: right">361.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.04%</TD>
    <TD STYLE="text-align: right">(0.32%)</TD>
    <TD STYLE="text-align: right">(0.72%)</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">(0.26%)</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">(0.26%)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.6)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.1)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(3.8)</TD>
    <TD STYLE="text-align: right">(0.5)</TD>
    <TD STYLE="text-align: right">(4.3)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.0)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.8)</TD>
    <TD STYLE="text-align: right">(0.4)</TD>
    <TD STYLE="text-align: right">(2.2)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">186.3</TD>
    <TD STYLE="text-align: right">35.7</TD>
    <TD STYLE="text-align: right">217.4</TD>
    <TD STYLE="text-align: right">18.4</TD>
    <TD STYLE="text-align: right">457.8</TD>
    <TD STYLE="text-align: right">18.5</TD>
    <TD STYLE="text-align: right">476.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.6</TD>
    <TD STYLE="text-align: right">11.4</TD>
    <TD STYLE="text-align: right">99.9</TD>
    <TD STYLE="text-align: right">1.9</TD>
    <TD STYLE="text-align: right">149.8</TD>
    <TD STYLE="text-align: right">10.0</TD>
    <TD STYLE="text-align: right">159.8</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.6</TD>
    <TD STYLE="text-align: right">11.4</TD>
    <TD STYLE="text-align: right">101.6</TD>
    <TD STYLE="text-align: right">2.1</TD>
    <TD STYLE="text-align: right">151.7</TD>
    <TD STYLE="text-align: right">10.0</TD>
    <TD STYLE="text-align: right">161.7</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">12.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">27.5</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">56.4</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">58.2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.64%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.36%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.67%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.05%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">0.00%</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.02%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">0.02%</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10"><FONT STYLE="font-size: 10pt">For the notes to this table refer to page 18.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 11 -->
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 June 2021</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,003</TD>
    <TD STYLE="text-align: right">117</TD>
    <TD STYLE="text-align: right">762</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">1,892</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">1,919</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(2)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">91</TD>
    <TD STYLE="text-align: right">66</TD>
    <TD STYLE="text-align: right">460</TD>
    <TD STYLE="text-align: right">34</TD>
    <TD STYLE="text-align: right">651</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">674</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,094</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">183</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,221</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">43</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,541</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">50</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,591</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(171)</TD>
    <TD STYLE="text-align: right">(49)</TD>
    <TD STYLE="text-align: right">(428)</TD>
    <TD STYLE="text-align: right">(999)</TD>
    <TD STYLE="text-align: right">(1,647)</TD>
    <TD STYLE="text-align: right">(82)</TD>
    <TD STYLE="text-align: right">(1,729)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(422)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(79)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(446)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">986</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">39</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(39)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(593)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(128)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(874)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(13)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,608)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(121)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,729)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(35)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">80</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">38</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(4)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">34</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(600)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(128)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(909)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">67</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,570)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(125)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,695)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment releases</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">494</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">55</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">312</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">110</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">971</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(75)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">896</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Impairment releases</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">91</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">27</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">488</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">606</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">606</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">585</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">82</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">800</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">110</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,577</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(75)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,502</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.6%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">32.0%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">54.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">69.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">73.7%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">61.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">64.9%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">204.2</TD>
    <TD STYLE="text-align: right">27.7</TD>
    <TD STYLE="text-align: right">442.2</TD>
    <TD STYLE="text-align: right">76.4</TD>
    <TD STYLE="text-align: right">750.5</TD>
    <TD STYLE="text-align: right">25.4</TD>
    <TD STYLE="text-align: right">775.9</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">204.2</TD>
    <TD STYLE="text-align: right">27.7</TD>
    <TD STYLE="text-align: right">334.5</TD>
    <TD STYLE="text-align: right">74.5</TD>
    <TD STYLE="text-align: right">640.9</TD>
    <TD STYLE="text-align: right">25.4</TD>
    <TD STYLE="text-align: right">666.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">178.1</TD>
    <TD STYLE="text-align: right">18.0</TD>
    <TD STYLE="text-align: right">125.2</TD>
    <TD STYLE="text-align: right">24.7</TD>
    <TD STYLE="text-align: right">346.0</TD>
    <TD STYLE="text-align: right">16.7</TD>
    <TD STYLE="text-align: right">362.7</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.20%)</TD>
    <TD STYLE="text-align: right">(0.60%)</TD>
    <TD STYLE="text-align: right">(1.53%)</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">(0.69%)</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">(0.66%)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.6)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.3)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(4.0)</TD>
    <TD STYLE="text-align: right">(0.7)</TD>
    <TD STYLE="text-align: right">(4.7)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.0)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.8)</TD>
    <TD STYLE="text-align: right">(0.4)</TD>
    <TD STYLE="text-align: right">(2.2)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">184.1</TD>
    <TD STYLE="text-align: right">34.7</TD>
    <TD STYLE="text-align: right">212.4</TD>
    <TD STYLE="text-align: right">17.5</TD>
    <TD STYLE="text-align: right">448.7</TD>
    <TD STYLE="text-align: right">18.5</TD>
    <TD STYLE="text-align: right">467.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">35.6</TD>
    <TD STYLE="text-align: right">11.2</TD>
    <TD STYLE="text-align: right">104.0</TD>
    <TD STYLE="text-align: right">1.7</TD>
    <TD STYLE="text-align: right">152.5</TD>
    <TD STYLE="text-align: right">10.5</TD>
    <TD STYLE="text-align: right">163.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">35.6</TD>
    <TD STYLE="text-align: right">11.3</TD>
    <TD STYLE="text-align: right">105.8</TD>
    <TD STYLE="text-align: right">1.8</TD>
    <TD STYLE="text-align: right">154.5</TD>
    <TD STYLE="text-align: right">10.5</TD>
    <TD STYLE="text-align: right">165.0</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.3</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">12.3</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">27.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">56.6</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">58.5</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.67%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.36%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.81%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.06%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">0.00%</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.04%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">0.01%</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 March 2021</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">973</TD>
    <TD STYLE="text-align: right">115</TD>
    <TD STYLE="text-align: right">725</TD>
    <TD STYLE="text-align: right">24</TD>
    <TD STYLE="text-align: right">1,837</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">1,864</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD STYLE="text-align: right">70</TD>
    <TD STYLE="text-align: right">526</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">696</TD>
    <TD STYLE="text-align: right">29</TD>
    <TD STYLE="text-align: right">725</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,056</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">185</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,253</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">41</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,535</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">56</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,591</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(188)</TD>
    <TD STYLE="text-align: right">(43)</TD>
    <TD STYLE="text-align: right">(446)</TD>
    <TD STYLE="text-align: right">(1,052)</TD>
    <TD STYLE="text-align: right">(1,729)</TD>
    <TD STYLE="text-align: right">(59)</TD>
    <TD STYLE="text-align: right">(1,788)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(397)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(83)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(469)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">995</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">46</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(46)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(585)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(126)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(915)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(57)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,683)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(105)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,788)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">5</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(10)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(9)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(16)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(587)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(121)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(915)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(67)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,690)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(114)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,804)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses/releases</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">469</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">64</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">338</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(26)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">845</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(58)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">787</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Impairment (losses)/releases</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(34)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">125</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">90</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">8</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">98</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">435</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">64</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">463</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(27)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">935</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(50)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">885</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">7.9%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">23.0%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">12.4%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">8.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">55.6%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">65.4%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">72.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">66.2%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">69.2%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">199.2</TD>
    <TD STYLE="text-align: right">26.9</TD>
    <TD STYLE="text-align: right">450.6</TD>
    <TD STYLE="text-align: right">67.2</TD>
    <TD STYLE="text-align: right">743.9</TD>
    <TD STYLE="text-align: right">25.9</TD>
    <TD STYLE="text-align: right">769.8</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">199.2</TD>
    <TD STYLE="text-align: right">26.9</TD>
    <TD STYLE="text-align: right">329.5</TD>
    <TD STYLE="text-align: right">65.3</TD>
    <TD STYLE="text-align: right">620.9</TD>
    <TD STYLE="text-align: right">25.9</TD>
    <TD STYLE="text-align: right">646.8</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">174.8</TD>
    <TD STYLE="text-align: right">17.5</TD>
    <TD STYLE="text-align: right">128.8</TD>
    <TD STYLE="text-align: right">20.7</TD>
    <TD STYLE="text-align: right">341.8</TD>
    <TD STYLE="text-align: right">16.9</TD>
    <TD STYLE="text-align: right">358.7</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.08%</TD>
    <TD STYLE="text-align: right">0.00%</TD>
    <TD STYLE="text-align: right">(0.38%)</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">(0.10%)</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">(0.11%)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.8)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.9)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(4.9)</TD>
    <TD STYLE="text-align: right">(0.7)</TD>
    <TD STYLE="text-align: right">(5.6)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.0)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(1.9)</TD>
    <TD STYLE="text-align: right">(0.5)</TD>
    <TD STYLE="text-align: right">(2.4)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">179.1</TD>
    <TD STYLE="text-align: right">33.5</TD>
    <TD STYLE="text-align: right">205.1</TD>
    <TD STYLE="text-align: right">17.2</TD>
    <TD STYLE="text-align: right">434.9</TD>
    <TD STYLE="text-align: right">18.4</TD>
    <TD STYLE="text-align: right">453.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">35.0</TD>
    <TD STYLE="text-align: right">11.2</TD>
    <TD STYLE="text-align: right">105.8</TD>
    <TD STYLE="text-align: right">1.6</TD>
    <TD STYLE="text-align: right">153.6</TD>
    <TD STYLE="text-align: right">11.1</TD>
    <TD STYLE="text-align: right">164.7</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">35.0</TD>
    <TD STYLE="text-align: right">11.2</TD>
    <TD STYLE="text-align: right">108.6</TD>
    <TD STYLE="text-align: right">1.7</TD>
    <TD STYLE="text-align: right">156.5</TD>
    <TD STYLE="text-align: right">11.1</TD>
    <TD STYLE="text-align: right">167.6</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">13.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">26.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">56.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">58.8</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.73%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.36%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.62%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.08%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">0.00%</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.01%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">0.00%</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<!-- Field: Page; Sequence: 13 -->
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Year ended 31 December 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3,868</TD>
    <TD STYLE="text-align: right">489</TD>
    <TD STYLE="text-align: right">3,054</TD>
    <TD STYLE="text-align: right">(57)</TD>
    <TD STYLE="text-align: right">7,354</TD>
    <TD STYLE="text-align: right">122</TD>
    <TD STYLE="text-align: right">7,476</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(24)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(24)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(24)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">313</TD>
    <TD STYLE="text-align: right">274</TD>
    <TD STYLE="text-align: right">2,548</TD>
    <TD STYLE="text-align: right">(179)</TD>
    <TD STYLE="text-align: right">2,956</TD>
    <TD STYLE="text-align: right">100</TD>
    <TD STYLE="text-align: right">3,056</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">4,181</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">763</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">5,578</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(236)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">10,286</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">222</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">10,508</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(776)</TD>
    <TD STYLE="text-align: right">(203)</TD>
    <TD STYLE="text-align: right">(2,090)</TD>
    <TD STYLE="text-align: right">(4,425)</TD>
    <TD STYLE="text-align: right">(7,494)</TD>
    <TD STYLE="text-align: right">(251)</TD>
    <TD STYLE="text-align: right">(7,745)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1,745)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(278)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1,948)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">4,154</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">183</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(183)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2,521)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(481)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(4,038)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(271)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7,311)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(434)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7,745)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(19)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">26</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">7</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(120)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(106)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(113)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(2,540)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(455)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(4,031)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(391)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(7,417)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(441)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(7,858)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,641</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">308</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,547</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(627)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2,869</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(219)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2,650</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Impairment losses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(792)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(100)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(2,074)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(26)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(2,992)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(139)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(3,131)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">849</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">208</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(527)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(653)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(123)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(358)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(481)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2.4%)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">10.2%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">10.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(3.7%)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">60.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">59.6%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">71.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">71.7%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">74.4%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">197.6</TD>
    <TD STYLE="text-align: right">26.2</TD>
    <TD STYLE="text-align: right">491.5</TD>
    <TD STYLE="text-align: right">57.6</TD>
    <TD STYLE="text-align: right">772.9</TD>
    <TD STYLE="text-align: right">26.6</TD>
    <TD STYLE="text-align: right">799.5</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">197.6</TD>
    <TD STYLE="text-align: right">26.2</TD>
    <TD STYLE="text-align: right">327.3</TD>
    <TD STYLE="text-align: right">55.3</TD>
    <TD STYLE="text-align: right">606.4</TD>
    <TD STYLE="text-align: right">26.6</TD>
    <TD STYLE="text-align: right">633.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">172.3</TD>
    <TD STYLE="text-align: right">17.0</TD>
    <TD STYLE="text-align: right">129.9</TD>
    <TD STYLE="text-align: right">23.3</TD>
    <TD STYLE="text-align: right">342.5</TD>
    <TD STYLE="text-align: right">18.0</TD>
    <TD STYLE="text-align: right">360.5</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.45%</TD>
    <TD STYLE="text-align: right">0.58%</TD>
    <TD STYLE="text-align: right">1.56%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.86%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.85%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.8)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(3.2)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(5.2)</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">(6.0)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.2)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.1)</TD>
    <TD STYLE="text-align: right">(0.5)</TD>
    <TD STYLE="text-align: right">(2.6)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">171.8</TD>
    <TD STYLE="text-align: right">32.4</TD>
    <TD STYLE="text-align: right">201.6</TD>
    <TD STYLE="text-align: right">6.3</TD>
    <TD STYLE="text-align: right">412.1</TD>
    <TD STYLE="text-align: right">19.6</TD>
    <TD STYLE="text-align: right">431.7</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.7</TD>
    <TD STYLE="text-align: right">10.9</TD>
    <TD STYLE="text-align: right">109.5</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">158.5</TD>
    <TD STYLE="text-align: right">11.8</TD>
    <TD STYLE="text-align: right">170.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.7</TD>
    <TD STYLE="text-align: right">10.9</TD>
    <TD STYLE="text-align: right">111.3</TD>
    <TD STYLE="text-align: right">1.6</TD>
    <TD STYLE="text-align: right">160.5</TD>
    <TD STYLE="text-align: right">11.8</TD>
    <TD STYLE="text-align: right">172.3</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">16.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">13.5</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">25.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">57.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">59.2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.89%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.53%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.81%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.19%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.11%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.08%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.04%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 14 -->
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 December 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">949</TD>
    <TD STYLE="text-align: right">118</TD>
    <TD STYLE="text-align: right">750</TD>
    <TD STYLE="text-align: right">53</TD>
    <TD STYLE="text-align: right">1,870</TD>
    <TD STYLE="text-align: right">31</TD>
    <TD STYLE="text-align: right">1,901</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(43)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(43)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(43)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">25</TD>
    <TD STYLE="text-align: right">66</TD>
    <TD STYLE="text-align: right">443</TD>
    <TD STYLE="text-align: right">43</TD>
    <TD STYLE="text-align: right">577</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">604</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">974</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">184</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,150</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">96</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,404</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">58</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,462</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(179)</TD>
    <TD STYLE="text-align: right">(46)</TD>
    <TD STYLE="text-align: right">(487)</TD>
    <TD STYLE="text-align: right">(1,362)</TD>
    <TD STYLE="text-align: right">(2,074)</TD>
    <TD STYLE="text-align: right">(61)</TD>
    <TD STYLE="text-align: right">(2,135)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(429)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(74)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(582)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,119</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">34</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(34)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(608)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(120)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,069)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(243)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2,040)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(95)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2,135)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(210)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">29</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(5)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(186)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(8)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(194)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(818)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(91)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,069)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(248)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(2,226)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(103)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(2,329)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">156</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">93</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">81</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(152)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">178</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(45)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">133</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Impairment losses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(65)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(26)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(39)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(131)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(8)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(139)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">91</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">67</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">42</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(153)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">47</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(53)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(6)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1.4%)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">13.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(0.4%)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">84.0%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">49.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">92.7%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">92.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">94.5%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">197.6</TD>
    <TD STYLE="text-align: right">26.2</TD>
    <TD STYLE="text-align: right">491.5</TD>
    <TD STYLE="text-align: right">57.6</TD>
    <TD STYLE="text-align: right">772.9</TD>
    <TD STYLE="text-align: right">26.6</TD>
    <TD STYLE="text-align: right">799.5</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">197.6</TD>
    <TD STYLE="text-align: right">26.2</TD>
    <TD STYLE="text-align: right">327.3</TD>
    <TD STYLE="text-align: right">55.3</TD>
    <TD STYLE="text-align: right">606.4</TD>
    <TD STYLE="text-align: right">26.6</TD>
    <TD STYLE="text-align: right">633.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">172.3</TD>
    <TD STYLE="text-align: right">17.0</TD>
    <TD STYLE="text-align: right">129.9</TD>
    <TD STYLE="text-align: right">23.3</TD>
    <TD STYLE="text-align: right">342.5</TD>
    <TD STYLE="text-align: right">18.0</TD>
    <TD STYLE="text-align: right">360.5</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.15%</TD>
    <TD STYLE="text-align: right">0.61%</TD>
    <TD STYLE="text-align: right">0.12%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.15%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.15%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.8)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(3.2)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(5.2)</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">(6.0)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.2)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.1)</TD>
    <TD STYLE="text-align: right">(0.5)</TD>
    <TD STYLE="text-align: right">(2.6)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">171.8</TD>
    <TD STYLE="text-align: right">32.4</TD>
    <TD STYLE="text-align: right">201.6</TD>
    <TD STYLE="text-align: right">6.3</TD>
    <TD STYLE="text-align: right">412.1</TD>
    <TD STYLE="text-align: right">19.6</TD>
    <TD STYLE="text-align: right">431.7</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.7</TD>
    <TD STYLE="text-align: right">10.9</TD>
    <TD STYLE="text-align: right">109.5</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">158.5</TD>
    <TD STYLE="text-align: right">11.8</TD>
    <TD STYLE="text-align: right">170.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.7</TD>
    <TD STYLE="text-align: right">10.9</TD>
    <TD STYLE="text-align: right">111.3</TD>
    <TD STYLE="text-align: right">1.6</TD>
    <TD STYLE="text-align: right">160.5</TD>
    <TD STYLE="text-align: right">11.8</TD>
    <TD STYLE="text-align: right">172.3</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">16.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">13.5</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">25.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">57.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">59.2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.81%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.38%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.64%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.10%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.01%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.01%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.01%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 September 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">937</TD>
    <TD STYLE="text-align: right">120</TD>
    <TD STYLE="text-align: right">767</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">1,826</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">1,856</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(34)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(34)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(34)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">67</TD>
    <TD STYLE="text-align: right">617</TD>
    <TD STYLE="text-align: right">(268)</TD>
    <TD STYLE="text-align: right">501</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">528</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,022</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">187</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,350</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(266)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,293</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">57</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,350</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(225)</TD>
    <TD STYLE="text-align: right">(53)</TD>
    <TD STYLE="text-align: right">(485)</TD>
    <TD STYLE="text-align: right">(965)</TD>
    <TD STYLE="text-align: right">(1,728)</TD>
    <TD STYLE="text-align: right">(67)</TD>
    <TD STYLE="text-align: right">(1,795)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(415)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(57)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(436)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">957</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">49</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(49)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(640)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(110)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(921)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(8)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,679)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(116)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,795)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">13</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(12)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(8)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(8)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(647)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(112)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(908)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(20)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,687)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(116)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,803)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses/releases</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">375</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">75</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">442</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(286)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">606</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(59)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">547</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Impairment (losses)/releases</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(70)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(18)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(159)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(246)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(246)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">305</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">57</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">283</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(285)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">360</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(59)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">301</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">0.8%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">11.2%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">4.4%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">63.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">59.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">66.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">73.1%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">76.4%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">189.5</TD>
    <TD STYLE="text-align: right">24.9</TD>
    <TD STYLE="text-align: right">502.8</TD>
    <TD STYLE="text-align: right">47.0</TD>
    <TD STYLE="text-align: right">764.2</TD>
    <TD STYLE="text-align: right">27.4</TD>
    <TD STYLE="text-align: right">791.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">189.5</TD>
    <TD STYLE="text-align: right">24.9</TD>
    <TD STYLE="text-align: right">340.9</TD>
    <TD STYLE="text-align: right">44.6</TD>
    <TD STYLE="text-align: right">599.9</TD>
    <TD STYLE="text-align: right">27.4</TD>
    <TD STYLE="text-align: right">627.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">166.7</TD>
    <TD STYLE="text-align: right">16.5</TD>
    <TD STYLE="text-align: right">132.9</TD>
    <TD STYLE="text-align: right">19.3</TD>
    <TD STYLE="text-align: right">335.4</TD>
    <TD STYLE="text-align: right">18.3</TD>
    <TD STYLE="text-align: right">353.7</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.17%</TD>
    <TD STYLE="text-align: right">0.43%</TD>
    <TD STYLE="text-align: right">0.47%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.29%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.27%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.9)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(3.3)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(5.3)</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">(6.1)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.9)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.3)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(2.2)</TD>
    <TD STYLE="text-align: right">(0.5)</TD>
    <TD STYLE="text-align: right">(2.7)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">164.9</TD>
    <TD STYLE="text-align: right">30.3</TD>
    <TD STYLE="text-align: right">196.4</TD>
    <TD STYLE="text-align: right">7.2</TD>
    <TD STYLE="text-align: right">398.8</TD>
    <TD STYLE="text-align: right">19.6</TD>
    <TD STYLE="text-align: right">418.4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.3</TD>
    <TD STYLE="text-align: right">10.6</TD>
    <TD STYLE="text-align: right">113.5</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">161.8</TD>
    <TD STYLE="text-align: right">12.1</TD>
    <TD STYLE="text-align: right">173.9</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.3</TD>
    <TD STYLE="text-align: right">10.6</TD>
    <TD STYLE="text-align: right">115.7</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">164.0</TD>
    <TD STYLE="text-align: right">12.1</TD>
    <TD STYLE="text-align: right">176.1</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">16.6</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">14.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">26.3</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">58.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">60.9</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.82%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.43%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.66%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.13%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.02%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.06%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.01%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 16 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 June 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">975</TD>
    <TD STYLE="text-align: right">124</TD>
    <TD STYLE="text-align: right">792</TD>
    <TD STYLE="text-align: right">(78)</TD>
    <TD STYLE="text-align: right">1,813</TD>
    <TD STYLE="text-align: right">29</TD>
    <TD STYLE="text-align: right">1,842</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(102)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(102)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(102)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">60</TD>
    <TD STYLE="text-align: right">67</TD>
    <TD STYLE="text-align: right">693</TD>
    <TD STYLE="text-align: right">25</TD>
    <TD STYLE="text-align: right">845</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">864</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,035</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">191</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,383</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(53)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,556</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">48</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,604</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(179)</TD>
    <TD STYLE="text-align: right">(49)</TD>
    <TD STYLE="text-align: right">(564)</TD>
    <TD STYLE="text-align: right">(1,128)</TD>
    <TD STYLE="text-align: right">(1,920)</TD>
    <TD STYLE="text-align: right">(61)</TD>
    <TD STYLE="text-align: right">(1,981)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(468)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(79)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(471)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,068</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">50</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(50)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(647)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(128)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,035)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(60)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,870)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(111)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,981)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">101</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(6)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(10)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">84</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">85</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(546)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(129)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,041)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(70)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,786)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(110)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,896)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">489</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">62</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">342</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(123)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">770</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(62)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">708</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid">Impairment losses</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(360)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(27)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(1,431)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(22)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(1,840)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(123)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(1,963)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">129</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">35</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1,089)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(145)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1,070)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(185)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1,255)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(12.4%)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">5.7%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">6.6%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(21.0%)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">52.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">67.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">74.6%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">69.4%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">72.4%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">187.1</TD>
    <TD STYLE="text-align: right">23.9</TD>
    <TD STYLE="text-align: right">521.3</TD>
    <TD STYLE="text-align: right">47.0</TD>
    <TD STYLE="text-align: right">779.3</TD>
    <TD STYLE="text-align: right">27.6</TD>
    <TD STYLE="text-align: right">806.9</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">187.1</TD>
    <TD STYLE="text-align: right">23.9</TD>
    <TD STYLE="text-align: right">340.4</TD>
    <TD STYLE="text-align: right">44.5</TD>
    <TD STYLE="text-align: right">595.9</TD>
    <TD STYLE="text-align: right">27.6</TD>
    <TD STYLE="text-align: right">623.5</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">164.5</TD>
    <TD STYLE="text-align: right">16.0</TD>
    <TD STYLE="text-align: right">136.1</TD>
    <TD STYLE="text-align: right">17.0</TD>
    <TD STYLE="text-align: right">333.6</TD>
    <TD STYLE="text-align: right">18.7</TD>
    <TD STYLE="text-align: right">352.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.87%</TD>
    <TD STYLE="text-align: right">0.67%</TD>
    <TD STYLE="text-align: right">4.11%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">2.17%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">2.19%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.9)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(3.2)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(5.2)</TD>
    <TD STYLE="text-align: right">(0.9)</TD>
    <TD STYLE="text-align: right">(6.1)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.9)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.3)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(2.2)</TD>
    <TD STYLE="text-align: right">(0.6)</TD>
    <TD STYLE="text-align: right">(2.8)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">161.0</TD>
    <TD STYLE="text-align: right">29.8</TD>
    <TD STYLE="text-align: right">194.6</TD>
    <TD STYLE="text-align: right">2.9</TD>
    <TD STYLE="text-align: right">388.3</TD>
    <TD STYLE="text-align: right">20.0</TD>
    <TD STYLE="text-align: right">408.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.7</TD>
    <TD STYLE="text-align: right">10.4</TD>
    <TD STYLE="text-align: right">120.2</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">168.7</TD>
    <TD STYLE="text-align: right">12.8</TD>
    <TD STYLE="text-align: right">181.5</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36.7</TD>
    <TD STYLE="text-align: right">10.4</TD>
    <TD STYLE="text-align: right">122.5</TD>
    <TD STYLE="text-align: right">1.5</TD>
    <TD STYLE="text-align: right">171.1</TD>
    <TD STYLE="text-align: right">12.8</TD>
    <TD STYLE="text-align: right">183.9</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">17.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">16.4</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">24.6</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">59.9</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">62.0</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.88%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.53%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.83%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.20%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.12%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.11%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.07%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 March 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,007</TD>
    <TD STYLE="text-align: right">127</TD>
    <TD STYLE="text-align: right">745</TD>
    <TD STYLE="text-align: right">(34)</TD>
    <TD STYLE="text-align: right">1,845</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">1,877</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">155</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">155</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">155</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">143</TD>
    <TD STYLE="text-align: right">74</TD>
    <TD STYLE="text-align: right">795</TD>
    <TD STYLE="text-align: right">21</TD>
    <TD STYLE="text-align: right">1,033</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">1,060</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,150</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">201</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,695</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(13)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">3,033</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">59</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">3,092</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(193)</TD>
    <TD STYLE="text-align: right">(55)</TD>
    <TD STYLE="text-align: right">(554)</TD>
    <TD STYLE="text-align: right">(970)</TD>
    <TD STYLE="text-align: right">(1,772)</TD>
    <TD STYLE="text-align: right">(62)</TD>
    <TD STYLE="text-align: right">(1,834)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(433)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(68)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(459)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,010</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">50</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(50)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(626)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(123)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,013)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">40</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,722)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(112)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,834)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">97</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(93)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">4</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">4</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(529)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(123)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,013)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(53)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,718)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(112)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,830)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">621</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">78</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">682</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(66)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,315</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(53)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,262</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid">Impairment losses</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(297)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(29)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(445)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(4)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(775)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(8)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(783)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">324</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">49</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">237</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(70)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">540</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(61)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">479</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.6%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">9.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.3%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">46.0%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">61.2%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">58.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">56.1%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">58.7%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">186.3</TD>
    <TD STYLE="text-align: right">23.4</TD>
    <TD STYLE="text-align: right">547.2</TD>
    <TD STYLE="text-align: right">34.4</TD>
    <TD STYLE="text-align: right">791.3</TD>
    <TD STYLE="text-align: right">26.3</TD>
    <TD STYLE="text-align: right">817.6</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">186.3</TD>
    <TD STYLE="text-align: right">23.4</TD>
    <TD STYLE="text-align: right">341.1</TD>
    <TD STYLE="text-align: right">31.8</TD>
    <TD STYLE="text-align: right">582.6</TD>
    <TD STYLE="text-align: right">26.3</TD>
    <TD STYLE="text-align: right">608.9</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">163.7</TD>
    <TD STYLE="text-align: right">15.8</TD>
    <TD STYLE="text-align: right">135.0</TD>
    <TD STYLE="text-align: right">18.1</TD>
    <TD STYLE="text-align: right">332.6</TD>
    <TD STYLE="text-align: right">18.7</TD>
    <TD STYLE="text-align: right">351.3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.72%</TD>
    <TD STYLE="text-align: right">0.73%</TD>
    <TD STYLE="text-align: right">1.30%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.92%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.88%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.6)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(1.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(3.5)</TD>
    <TD STYLE="text-align: right">(0.7)</TD>
    <TD STYLE="text-align: right">(4.2)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.9)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.1)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(2.0)</TD>
    <TD STYLE="text-align: right">(0.6)</TD>
    <TD STYLE="text-align: right">(2.6)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">152.8</TD>
    <TD STYLE="text-align: right">29.0</TD>
    <TD STYLE="text-align: right">181.9</TD>
    <TD STYLE="text-align: right">1.8</TD>
    <TD STYLE="text-align: right">365.5</TD>
    <TD STYLE="text-align: right">19.3</TD>
    <TD STYLE="text-align: right">384.8</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">38.2</TD>
    <TD STYLE="text-align: right">10.3</TD>
    <TD STYLE="text-align: right">122.6</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">172.5</TD>
    <TD STYLE="text-align: right">12.7</TD>
    <TD STYLE="text-align: right">185.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">38.2</TD>
    <TD STYLE="text-align: right">10.3</TD>
    <TD STYLE="text-align: right">126.3</TD>
    <TD STYLE="text-align: right">1.7</TD>
    <TD STYLE="text-align: right">176.5</TD>
    <TD STYLE="text-align: right">12.7</TD>
    <TD STYLE="text-align: right">189.2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">17.3</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">16.4</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">24.8</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">60.3</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">62.5</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.07%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.81%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.15%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.36%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.32%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.18%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.08%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 18 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Year ended 31 December 2019</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,130</TD>
    <TD STYLE="text-align: right">521</TD>
    <TD STYLE="text-align: right">3,132</TD>
    <TD STYLE="text-align: right">(136)</TD>
    <TD STYLE="text-align: right">7,647</TD>
    <TD STYLE="text-align: right">152</TD>
    <TD STYLE="text-align: right">7,799</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(80)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(80)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(80)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">736</TD>
    <TD STYLE="text-align: right">256</TD>
    <TD STYLE="text-align: right">2,774</TD>
    <TD STYLE="text-align: right">1,318</TD>
    <TD STYLE="text-align: right">5,084</TD>
    <TD STYLE="text-align: right">149</TD>
    <TD STYLE="text-align: right">5,233</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Strategic disposals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">444</TD>
    <TD STYLE="text-align: right">591</TD>
    <TD STYLE="text-align: right">1,035</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">1,035</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">4,866</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">777</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">6,270</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,773</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">13,686</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">301</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">13,987</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(879)</TD>
    <TD STYLE="text-align: right">(191)</TD>
    <TD STYLE="text-align: right">(2,213)</TD>
    <TD STYLE="text-align: right">(4,822)</TD>
    <TD STYLE="text-align: right">(8,105)</TD>
    <TD STYLE="text-align: right">(280)</TD>
    <TD STYLE="text-align: right">(8,385)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1,814)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(286)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(1,989)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">4,297</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">208</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(208)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2,693)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(477)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(4,202)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(525)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7,897)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(488)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(8,385)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(925)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(9)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(80)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">141</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(873)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(22)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(895)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(3,618)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(486)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(4,282)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(384)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(8,770)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(510)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(9,280)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses/releases</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,248</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">291</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,988</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,389</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">4,916</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(209)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">4,707</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid">Impairment (losses)/releases</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(393)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">6</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(342)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(1)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(730)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">6</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(724)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">855</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">297</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,646</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,388</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">4,186</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(203)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">3,983</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">9.4%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">9.6%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">15.4%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">5.8%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">74.4%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">62.5%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">67.6%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">63.7%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">66.0%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">182.3</TD>
    <TD STYLE="text-align: right">23.3</TD>
    <TD STYLE="text-align: right">461.0</TD>
    <TD STYLE="text-align: right">31.0</TD>
    <TD STYLE="text-align: right">697.6</TD>
    <TD STYLE="text-align: right">25.4</TD>
    <TD STYLE="text-align: right">723.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">182.3</TD>
    <TD STYLE="text-align: right">23.3</TD>
    <TD STYLE="text-align: right">313.3</TD>
    <TD STYLE="text-align: right">28.7</TD>
    <TD STYLE="text-align: right">547.6</TD>
    <TD STYLE="text-align: right">25.4</TD>
    <TD STYLE="text-align: right">573.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">158.9</TD>
    <TD STYLE="text-align: right">15.5</TD>
    <TD STYLE="text-align: right">123.7</TD>
    <TD STYLE="text-align: right">10.6</TD>
    <TD STYLE="text-align: right">308.7</TD>
    <TD STYLE="text-align: right">18.2</TD>
    <TD STYLE="text-align: right">326.9</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.25%</TD>
    <TD STYLE="text-align: right">(0.04%)</TD>
    <TD STYLE="text-align: right">0.27%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.23%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.22%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.4)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.4)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.9)</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">(3.7)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.1)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.0)</TD>
    <TD STYLE="text-align: right">(0.7)</TD>
    <TD STYLE="text-align: right">(2.7)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">150.3</TD>
    <TD STYLE="text-align: right">28.4</TD>
    <TD STYLE="text-align: right">168.8</TD>
    <TD STYLE="text-align: right">3.2</TD>
    <TD STYLE="text-align: right">350.7</TD>
    <TD STYLE="text-align: right">18.5</TD>
    <TD STYLE="text-align: right">369.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">37.8</TD>
    <TD STYLE="text-align: right">10.1</TD>
    <TD STYLE="text-align: right">116.9</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">166.2</TD>
    <TD STYLE="text-align: right">13.0</TD>
    <TD STYLE="text-align: right">179.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">38.2</TD>
    <TD STYLE="text-align: right">10.1</TD>
    <TD STYLE="text-align: right">120.0</TD>
    <TD STYLE="text-align: right">1.7</TD>
    <TD STYLE="text-align: right">170.0</TD>
    <TD STYLE="text-align: right">13.2</TD>
    <TD STYLE="text-align: right">183.2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">18.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.6</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">16.5</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">25.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">61.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">63.3</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.23%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.93%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.40%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.37%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.35%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.21%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.09%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; width: 100%">nm = not meaningful, na = not applicable.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">For the notes to this table refer to page 18.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 19 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.1 - Key measures segment performance <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 December 2019</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(1)</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Income statement</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,012</TD>
    <TD STYLE="text-align: right">130</TD>
    <TD STYLE="text-align: right">828</TD>
    <TD STYLE="text-align: right">(31)</TD>
    <TD STYLE="text-align: right">1,939</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">1,971</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Own credit adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(22)</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">(21)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(22)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Other non-interest income</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">183</TD>
    <TD STYLE="text-align: right">65</TD>
    <TD STYLE="text-align: right">670</TD>
    <TD STYLE="text-align: right">1,258</TD>
    <TD STYLE="text-align: right">2,176</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">2,213</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Total income</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,195</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">195</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,476</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,228</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">4,094</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">68</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">4,162</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Direct expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(223)</TD>
    <TD STYLE="text-align: right">(45)</TD>
    <TD STYLE="text-align: right">(571)</TD>
    <TD STYLE="text-align: right">(1,518)</TD>
    <TD STYLE="text-align: right">(2,357)</TD>
    <TD STYLE="text-align: right">(74)</TD>
    <TD STYLE="text-align: right">(2,431)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">Indirect expenses</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(558)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(83)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(577)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,273</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">55</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(55)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Other operating expenses</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(781)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(128)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1,148)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(245)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2,302)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(129)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(2,431)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Litigation and conduct costs</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(7)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(27)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(43)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(84)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(1)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(85)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Operating expenses</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(788)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(135)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(1,175)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(288)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(2,386)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(130)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(2,516)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Operating profit/(loss) before impairment losses/releases</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">407</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">60</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">301</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">940</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,708</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">(62)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1,646</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid">Impairment (losses)/releases</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(81)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(76)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(156)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(8)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(164)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Operating profit/(loss)</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">326</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">61</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">225</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">940</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,552</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(70)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">1,482</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Additional information</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on tangible equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">17.7%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">14.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">12.0%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.6%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">na</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">65.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">69.2%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">79.1%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">57.9%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">60.1%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Total assets (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">182.3</TD>
    <TD STYLE="text-align: right">23.3</TD>
    <TD STYLE="text-align: right">461.0</TD>
    <TD STYLE="text-align: right">31.0</TD>
    <TD STYLE="text-align: right">697.6</TD>
    <TD STYLE="text-align: right">25.4</TD>
    <TD STYLE="text-align: right">723.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Funded assets (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">182.3</TD>
    <TD STYLE="text-align: right">23.3</TD>
    <TD STYLE="text-align: right">313.3</TD>
    <TD STYLE="text-align: right">28.7</TD>
    <TD STYLE="text-align: right">547.6</TD>
    <TD STYLE="text-align: right">25.4</TD>
    <TD STYLE="text-align: right">573.0</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Net loans to customers - amortised cost (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">158.9</TD>
    <TD STYLE="text-align: right">15.5</TD>
    <TD STYLE="text-align: right">123.7</TD>
    <TD STYLE="text-align: right">10.6</TD>
    <TD STYLE="text-align: right">308.7</TD>
    <TD STYLE="text-align: right">18.2</TD>
    <TD STYLE="text-align: right">326.9</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Loan impairment rate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.20%</TD>
    <TD STYLE="text-align: right">(0.03%)</TD>
    <TD STYLE="text-align: right">0.24%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.20%</TD>
    <TD STYLE="text-align: right">nm</TD>
    <TD STYLE="text-align: right">0.20%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1.4)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.4)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.9)</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">(3.7)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Impairment provisions - stage 3 (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(0.8)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">(1.1)</TD>
    <TD STYLE="text-align: right">(0.1)</TD>
    <TD STYLE="text-align: right">(2.0)</TD>
    <TD STYLE="text-align: right">(0.7)</TD>
    <TD STYLE="text-align: right">(2.7)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Customer deposits (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">150.3</TD>
    <TD STYLE="text-align: right">28.4</TD>
    <TD STYLE="text-align: right">168.8</TD>
    <TD STYLE="text-align: right">3.2</TD>
    <TD STYLE="text-align: right">350.7</TD>
    <TD STYLE="text-align: right">18.5</TD>
    <TD STYLE="text-align: right">369.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets (RWAs) (&pound;bn)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">37.8</TD>
    <TD STYLE="text-align: right">10.1</TD>
    <TD STYLE="text-align: right">116.9</TD>
    <TD STYLE="text-align: right">1.4</TD>
    <TD STYLE="text-align: right">166.2</TD>
    <TD STYLE="text-align: right">13.0</TD>
    <TD STYLE="text-align: right">179.2</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Risk-weighted assets equivalent (RWAe) (&pound;bn) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">38.2</TD>
    <TD STYLE="text-align: right">10.1</TD>
    <TD STYLE="text-align: right">120.0</TD>
    <TD STYLE="text-align: right">1.7</TD>
    <TD STYLE="text-align: right">170.0</TD>
    <TD STYLE="text-align: right">13.2</TD>
    <TD STYLE="text-align: right">183.2</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Employee numbers (FTEs - thousands)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">18.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">1.6</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">16.5</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">25.0</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">61.1</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.2</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">63.3</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">Third party customer asset rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.11%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">2.88%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">3.36%</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">nm</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">Third party customer funding rate <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400">(6)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.38%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.33%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.18%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">(0.08%)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right">nm</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 100%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm = not meaningful, na = not applicable.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">N<FONT STYLE="font-size: 9pt">otes:</FONT></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR></FONT><TD STYLE="white-space: nowrap; width: 100%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)
    Ceantral items &amp; other includes unallocated transactions, including volatile items under IFRS, items related to Alawwal bank
    merger (2019 only) and US RMBS related items.</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2) Annualised
    profit or loss for the period attributable to ordinary shareholders divided by average tangible equity. Average tangible equity is
    average total equity excluding non-controlling interests less average intangible assets and average other owners&rsquo; equity.</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3) NatWest
    Group&rsquo;s CET1 target is 13% - 14% but for the purposes of computing segmental return on equity (ROE), to better reflect the
    differential drivers of capital usage, segmental operating profit or loss adjusted for preference share dividends and tax, is divided
    by average notional tangible equity allocated at different rates of 14.5% (Retail Banking - 15% prior to Q1 2020), 12.5% (Private
    Banking - 13% prior to Q1 2020), 13% (Commercial &amp; Institutional) and 15.5% (Ulster Bank RoI - 15% prior to Q1 2020), of the
    period average of segmental risk-weighted assets equivalents (RWAe) incorporating the effect of capital deductions.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4) Total
    operating expenses less operating lease depreciation divided by total income less operating lease depreciation. (Year ended 31 December
    2021 - &pound;140 million; Q4 2021 - &pound;34 million; Q3 2021 - &pound;36 million; Q2 2021 - &pound;35 million; Q1 2021 - &pound;35
    million; Year ended 31 December 2020 - &pound;145 million; Q4 2020 - &pound;35 million; Q3 2020 - &pound;37 million; Q2 2020 - &pound;37
    million; Q1 2020 - &pound;36 million; Year ended 31 December 2019 - &pound;138 million; Q4 2019 - &pound;35 million).</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(5) Funded assets exclude derivative
    assets.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(6) Third
    party customer asset rate is calculated as annualised interest receivable on third-party loans to customers as a percentage of third-party
    loans to customers. This excludes assets of disposal groups, intragroup items, loans to banks and liquid asset portfolios. Third
    party customer funding rate reflects interest payable or receivable on third-party customer deposits, including interest bearing
    and non-interest bearing customer deposits. Intragroup items, bank deposits, debt securities in issue and subordinated liabilities
    are excluded for customer funding rate calculation. Net interest margin is calculated as net interest income as a percentage of the
    average interest-earning assets, excluding assets of disposal groups and without these remaining exclusions.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.2 - Analysis of net fees and commissions</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; width: 39%">Analysis of net fees and commissions</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; background-color: white; width: 9%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; width: 8%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Year ended 31 December 2021</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">306</TD>
    <TD STYLE="text-align: right">35</TD>
    <TD STYLE="text-align: right">577</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">918</TD>
    <TD STYLE="text-align: right">53</TD>
    <TD STYLE="text-align: right">971</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">643</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">666</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">670</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">344</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">149</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">503</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">522</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">48</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">96</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">96</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">230</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">278</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">280</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">127</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">127</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">127</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="text-align: right">35</TD>
    <TD STYLE="text-align: right">109</TD>
    <TD STYLE="text-align: right">(112)</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">32</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="color: #003366; vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">714</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">326</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,692</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(112)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,620</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">78</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,698</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="color: #003366; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(337)</TD>
    <TD STYLE="text-align: right">(68)</TD>
    <TD STYLE="text-align: right">(252)</TD>
    <TD STYLE="text-align: right">96</TD>
    <TD STYLE="text-align: right">(561)</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">(574)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="color: #003366; vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">377</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">258</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,440</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(16)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,059</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">65</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,124</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 December 2021</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp; Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">86</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">158</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">255</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">269</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">179</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">185</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">186</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">104</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">41</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">148</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">154</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">25</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">25</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">57</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">69</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">69</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">27</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">(26)</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(5)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="color: #003366; vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">203</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">86</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">441</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(26)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">704</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">21</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">725</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="color: #003366; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(88)</TD>
    <TD STYLE="text-align: right">(19)</TD>
    <TD STYLE="text-align: right">(62)</TD>
    <TD STYLE="text-align: right">24</TD>
    <TD STYLE="text-align: right">(145)</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD STYLE="text-align: right">(150)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="color: #003366; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">115</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">67</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">379</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(2)</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">559</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">16</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">575</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.2 - Analysis of net fees and commissions <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 September 2021</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; width: 39%">&nbsp;</TD>
    <TD STYLE="color: #003366; width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">75</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">148</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">231</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">242</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">160</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">167</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">169</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">91</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">38</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">132</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">137</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">11</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">60</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">73</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">74</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">23</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">9</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">32</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(30)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">11</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">12</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="color: #003366; vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">178</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">84</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">416</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(30)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">648</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">20</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">668</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="color: #003366; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(89)</TD>
    <TD STYLE="text-align: right">(17)</TD>
    <TD STYLE="text-align: right">(57)</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD STYLE="text-align: right">(137)</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">(140)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="color: #003366; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">89</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">67</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">359</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(4)</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">511</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">17</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">528</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 June 2021</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">71</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">138</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">217</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">231</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">154</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">159</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">159</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">81</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">120</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">124</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">24</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">24</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">58</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">70</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">70</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">42</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">8</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">33</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(29)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">12</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">12</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="color: #003366; vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">169</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">79</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">425</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(29)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">644</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">18</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">662</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="color: #003366; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(84)</TD>
    <TD STYLE="text-align: right">(19)</TD>
    <TD STYLE="text-align: right">(62)</TD>
    <TD STYLE="text-align: right">24</TD>
    <TD STYLE="text-align: right">(141)</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">(144)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="color: #003366; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">85</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">60</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">363</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(5)</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">503</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">15</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">518</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.2 - Analysis of net fees and commissions <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 March 2021</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #003366; width: 39%">&nbsp;</TD>
    <TD STYLE="color: #003366; width: 2%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">74</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">133</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">215</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">229</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">150</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">155</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">156</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">68</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">33</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">103</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">107</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">15</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">55</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">66</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">67</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">35</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">35</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">35</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">8</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">33</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(27)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">14</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">14</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="color: #003366; vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">164</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">77</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">410</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(27)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">624</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">20</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">644</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="color: #003366; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(76)</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">(71)</TD>
    <TD STYLE="text-align: right">22</TD>
    <TD STYLE="text-align: right">(138)</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">(141)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="color: #003366; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">88</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">64</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">339</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(5)</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">486</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">17</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">503</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Year ended 31 December 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366; text-align: center">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">264</TD>
    <TD STYLE="text-align: right">28</TD>
    <TD STYLE="text-align: right">543</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">835</TD>
    <TD STYLE="text-align: right">57</TD>
    <TD STYLE="text-align: right">892</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">625</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">674</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">678</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">299</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">131</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">439</TD>
    <TD STYLE="text-align: right">21</TD>
    <TD STYLE="text-align: right">460</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">54</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">94</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">154</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">155</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">225</TD>
    <TD STYLE="text-align: right">41</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">269</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">271</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">183</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">183</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">183</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">26</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">89</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(33)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">83</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">83</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">663</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">301</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">1,706</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(33)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">2,637</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">85</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">2,722</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(284)</TD>
    <TD STYLE="text-align: right">(44)</TD>
    <TD STYLE="text-align: right">(403)</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">(714)</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">(722)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">379</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">257</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,303</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(16)</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,923</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">77</TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,000</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.2 - Analysis of net fees and commissions <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 December 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 39%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">67</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">142</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">217</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">231</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">154</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">161</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">163</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">77</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">39</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">118</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">123</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">25</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">25</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">70</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">71</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">33</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">33</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">33</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">4</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(68)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">68</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">4</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">4</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">162</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">75</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">323</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">68</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">628</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">22</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">650</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(75)</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">29</TD>
    <TD STYLE="text-align: right">(73)</TD>
    <TD STYLE="text-align: right">(129)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(131)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">87</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">65</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">352</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(5)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">499</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">20</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">519</TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 September 2020&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">68</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">127</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">201</TD>
    <TD STYLE="text-align: right">15</TD>
    <TD STYLE="text-align: right">216</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">169</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">172</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">173</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">78</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">31</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">112</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">118</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">31</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">68</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">68</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">26</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">7</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">70</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(61)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">16</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">16</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">156</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">75</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">457</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(61)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">627</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">21</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">648</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(68)</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">(177)</TD>
    <TD STYLE="text-align: right">61</TD>
    <TD STYLE="text-align: right">(197)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(199)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">88</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">62</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">280</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">430</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">19</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">449</TD></TR>
  </TABLE>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.2 - Analysis of net fees and commissions <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 30 June 2020</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 39%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">62</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">117</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">186</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">198</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">156</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">152</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">153</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">61</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">24</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">86</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">90</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">31</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">39</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">40</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">64</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">64</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">88</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">88</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">88</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">7</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">71</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(32)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">46</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">46</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">125</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">73</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">495</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(32)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">661</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">18</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">679</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(64)</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">(165)</TD>
    <TD STYLE="text-align: right">24</TD>
    <TD STYLE="text-align: right">(215)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(217)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">61</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">63</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">330</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(8)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">446</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">16</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">462</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 March 2020&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">67</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">157</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">231</TD>
    <TD STYLE="text-align: right">16</TD>
    <TD STYLE="text-align: right">247</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">146</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">189</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">189</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">123</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">129</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">58</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">59</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">57</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">67</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">68</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">8</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">16</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(8)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">17</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">--</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">17</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">220</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">78</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">431</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(8)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">721</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">24</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">745</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(77)</TD>
    <TD STYLE="text-align: right">(11)</TD>
    <TD STYLE="text-align: right">(90)</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">(173)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(175)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">143</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">67</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">341</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(3)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">548</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">22</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">570</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.2 - Analysis of net fees and commissions <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Year ended 31 December 2019</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 39%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Central <BR>
items &amp; <BR>
other</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 9%">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right; width: 8%">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">292</TD>
    <TD STYLE="text-align: right">33</TD>
    <TD STYLE="text-align: right">710</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">1,035</TD>
    <TD STYLE="text-align: right">60</TD>
    <TD STYLE="text-align: right">1,095</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">356</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">631</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">990</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">994</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">427</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">156</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">595</TD>
    <TD STYLE="text-align: right">28</TD>
    <TD STYLE="text-align: right">623</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">55</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">96</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">156</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">164</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">44</TD>
    <TD STYLE="text-align: right">186</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">275</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">278</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">170</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">170</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">170</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">2</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">27</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">161</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(173)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">17</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">4</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">21</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">1,176</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">266</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">1,969</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(173)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">3,238</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">107</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">3,345</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(480)</TD>
    <TD STYLE="text-align: right">(40)</TD>
    <TD STYLE="text-align: right">(466)</TD>
    <TD STYLE="text-align: right">150</TD>
    <TD STYLE="text-align: right">(836)</TD>
    <TD STYLE="text-align: right">(12)</TD>
    <TD STYLE="text-align: right">(848)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">696</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">226</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">1,503</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(23)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,402</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">95</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">2,497</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center">Quarter ended 31 December 2019</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: rgb(66,20,95) 0.5pt solid; color: #42145F; text-align: center">Go-forward group</TD>
    <TD STYLE="color: #003366">&nbsp;</TD>
    <TD STYLE="color: #003366">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Retail <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Private <BR>
Banking</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Commercial &amp;&nbsp;&nbsp;Institutional</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Central <BR>
items &amp; <BR>
other</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total excluding Ulster Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Ulster <BR>
Bank RoI</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">Total <BR>
NatWest <BR>
Group</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: left">Continuing operations</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right">&pound;m</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold">Fees and commissions receivable&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="color: #003366; font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">68</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">184</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">261</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">288</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Lending and financing</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">153</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">173</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">163</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Credit and debit card fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">135</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">40</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">178</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">185</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Brokerage</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">38</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">49</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">50</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Investment management, trustee and fiduciary services&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">49</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">71</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">72</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Underwriting fees</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD>
    <TD STYLE="text-align: right">--</TD>
    <TD STYLE="text-align: right">36</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">- Other</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">9</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(3)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(17)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(10)</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">2</TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right">(8)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">244</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">72</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">459</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">(17)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">758</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">28</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt">786</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>Fees and commissions payable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(88)</TD>
    <TD STYLE="text-align: right">(12)</TD>
    <TD STYLE="text-align: right">(85)</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">(172)</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">(175)</TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">Net fees and commissions</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">156</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">60</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">374</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">(4)</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">586</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">25</TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right">611</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.3 - Retail Banking</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; width: 31%"><FONT STYLE="font-size: 8pt">Retail Banking</FONT></TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Income statement</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,012</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">4,130</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,007</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">975</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">937</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">949</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">3,868</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">973</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,003</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,041</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,057</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">4,074</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net fees and commissions</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">156</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">696</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">143</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">61</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">88</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">87</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">379</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">88</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">85</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">89</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">115</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">377</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Other non-interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">40</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(62)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(66)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(6)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Non-interest
    income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">183</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">736</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">143</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">60</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">85</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">313</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">83</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">91</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">90</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">107</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">371</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,195</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">4,866</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,150</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,035</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,022</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">974</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">4,181</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,056</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,094</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,131</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,164</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">4,445</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(223)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(879)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(193)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(179)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(225)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(179)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(776)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(188)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(171)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(165)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(281)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(805)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(558)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,814)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(433)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(468)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(415)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(429)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,745)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(397)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(422)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(372)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(441)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,632)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(781)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2,693)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(626)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(647)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(640)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(608)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2,521)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(585)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(593)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(537)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(722)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2,437)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(925)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">97</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">101</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(210)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(19)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(15)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(52)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(76)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Operating
    expenses</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(788)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(3,618)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(529)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(546)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(647)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(818)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(2,540)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(587)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(600)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(552)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(774)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(2,513)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Operating profit before impairment losses/releases</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">407</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,248</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">621</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">489</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">375</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">156</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,641</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">469</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">494</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">579</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">390</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1,932</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(81)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(393)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(297)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(360)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(70)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(65)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(792)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">91</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(16)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">36</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Operating
    profit&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">326</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">855</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">324</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">129</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">305</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">91</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">849</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">435</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">585</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">563</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">385</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1,968</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">Analysis of income by product</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Personal advances</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">270</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,021</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">234</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">165</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">185</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">188</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">772</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">181</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">181</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">185</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">190</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">737</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Personal deposits</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">241</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,044</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">227</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">243</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">185</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">156</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">811</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">145</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">153</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">164</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">198</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">660</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Mortgages</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">528</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,190</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">550</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">528</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">551</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">528</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,157</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">636</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">674</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">696</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">693</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,699</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Cards</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">127</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">484</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">117</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">95</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">95</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">92</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">399</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">86</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">84</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">86</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">85</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">341</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Other</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">29</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">127</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">22</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">10</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">42</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,195</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,866</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,150</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,035</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,022</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">974</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,181</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,056</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,094</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,131</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,164</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,445</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Analysis of impairments by sector</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Personal advances</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">54</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">257</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">209</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">156</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">48</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">19</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">432</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(27)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">12</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">33</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Mortgages</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">31</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">16</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">114</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">49</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">176</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(39)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(19)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(56)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Cards</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">22</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">105</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">72</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">90</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">184</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(25)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">14</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(10)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(13)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total impairment losses/(releases)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">81</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">393</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">297</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">360</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">70</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">65</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">792</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">34</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(91)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">16</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(36)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Loan impairment charge/(releases)
    as % of gross customer</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;loans by sector</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Personal advances</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2.54%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">3.03%</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">9.95%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7.80%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2.46%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1.04%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">5.92%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1.52%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1.57%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1.20%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.68%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.46%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Mortgages</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.01%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.02%</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.04%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.29%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.01%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.12%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.11%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.09%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.04%)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">0.01%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.03%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Cards</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.05%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.44%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7.02%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9.73%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.63%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.32%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4.84%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.91%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2.78%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.51%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1.05%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.34%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Loan impairment
    charge/(releases) as % of gross customer loans</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.20%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.25%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.72%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.87%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.17%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.15%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.45%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.08%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.20%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.04%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.01%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.02%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">Performance ratios</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">14.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9.6%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">23.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">29.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">19.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">26.1%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net interest margin&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.32%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.47%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.28%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.18%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.05%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.03%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.13%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.06%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.08%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.09%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.08%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.08%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Cost:income ratio</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">65.9%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">74.4%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">46.0%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">52.8%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">63.3%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">84.0%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">60.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">55.6%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">54.8%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">48.8%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">66.5%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">56.5%</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 8pt">Note:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(1) Return on equity is based on segmental operating profit or loss adjusted
    for preference share dividends and tax, divided by average notional tangible equity (based on 14.5% (15% prior to Q1 2020) of the
    period average of segmental&nbsp;risk-weighted assets equivalents (RWAe) incorporating the effect of capital deductions), assuming
    a 28% tax rate.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: left"></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 27 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->25<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.3 - Retail Banking <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2021</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle; width: 36%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; width: 4%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt; width: 5%"><FONT STYLE="font-size: 9pt">31
    March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt; width: 5%"><FONT STYLE="font-size: 9pt">30
    June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt; width: 5%"><FONT STYLE="font-size: 9pt">30
    September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 6%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Balance
    sheet</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #003366 0.5pt solid"><FONT STYLE="font-size: 9pt">Loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="border-top: #003366 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #003366 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- personal advances</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">6.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- mortgages</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">147.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">152.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">154.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">157.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">163.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">166.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">169.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">171.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">172.8</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- cards</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Total loans to customers (amortised cost)&nbsp;</FONT></TD>
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">160.3</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">165.3</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">166.4</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">168.6</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">174.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">176.6</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">179.7</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">182.1</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">183.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Loan impairment provisions</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.4)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.9)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.9)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.8)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.8)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.5)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Net loans to customers (amortised cost)&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">158.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">163.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">164.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">166.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">172.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">174.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">178.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">180.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">182.2</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Total assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">182.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">186.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">187.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">189.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">197.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">199.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">204.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">207.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">210.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Customer deposits</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- personal current accounts</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">52.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">54.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">59.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">62.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">65.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">70.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">73.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">74.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">75.9</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- personal
    savings</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">98.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">98.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">101.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">102.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">106.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">108.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">110.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">111.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">113.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Total customer deposits&nbsp;</FONT></TD>
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">150.3</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">152.8</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">161.0</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">164.9</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">171.8</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">179.1</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">184.1</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">186.3</FONT></TD>
    <TD STYLE="text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">188.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Loan:deposit ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">106%</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">107%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">102%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">101%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">100%</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">98%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">97%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">97%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">96%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Risk-weighted assets&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- credit risk</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">30.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">30.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">28.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">27.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">28.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.4</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- counterparty credit risk</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.2</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- market risk</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- operational
    risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7.0</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Total
    risk-weighted assets&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">37.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">38.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">36.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">36.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">36.7</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">35.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">35.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">36.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">36.7</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 8pt">Note:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(1) Net customer loans held at amortised cost, excluding reverse repos,
    divided by total customer deposits, excluding repos.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.4 - Private Banking</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; width: 31%"><FONT STYLE="font-size: 9pt">Private Banking</FONT></TD>
    <TD STYLE="color: #42145F; width: 4%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 6%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2020</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Full
    year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Full
    year</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Full
    year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Income statement</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">130</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">521</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">127</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">124</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">120</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">118</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">489</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">115</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">117</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">122</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">126</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">480</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Net fees and commissions</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">60</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">226</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">67</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">63</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">62</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">65</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">257</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">64</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">60</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">67</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">67</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">258</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Other non-interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">5</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">30</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">5</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">17</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">6</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">6</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">6</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">60</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">78</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Non-interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">65</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">256</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">74</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">67</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">67</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">66</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">274</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">70</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">66</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">73</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">127</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">336</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Total income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">195</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">777</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">201</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">191</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">187</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">184</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">763</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">185</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">183</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">195</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">253</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">816</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-size: 9pt">Direct expenses</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(45)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(191)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(55)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(49)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(53)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(46)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(203)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(43)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(49)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(47)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(61)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(200)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Indirect expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(83)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(286)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(68)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(79)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(57)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(74)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(278)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(83)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(79)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(72)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(89)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(323)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Other operating expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(128)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(477)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(123)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(128)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(110)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(120)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(481)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(126)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(128)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(119)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(150)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(523)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Litigation and conduct costs</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(9)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">29</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">26</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Operating expenses</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(135)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(486)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(123)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(129)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(112)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(91)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(455)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(121)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(128)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(116)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(155)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(520)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Operating profit before impairment releases/losses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">60</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">291</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">78</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">62</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">75</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">93</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">308</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">64</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">55</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">79</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">98</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">296</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Impairment releases/(losses)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">6</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(29)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(27)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(18)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(26)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(100)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">27</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">15</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">12</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">54</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Operating profit</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">61</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">297</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">49</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">35</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">57</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">67</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">208</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">64</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">82</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">94</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">110</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">350</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Loan impairment
    (releases)/charge as % of gross customer loans</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.03%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.04%)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">0.73%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">0.67%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">0.43%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">0.61%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">0.58%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">0.00%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.60%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.32%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.26%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.29%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 9pt">Performance ratios</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">12.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">15.4%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">9.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">11.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">13.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">10.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">12.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">15.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">21.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">17.0%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Net interest margin</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2.30%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2.40%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2.25%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2.14%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1.99%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1.86%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2.05%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1.79%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1.75%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1.76%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1.75%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1.76%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Cost:income ratio</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">69.2%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">62.5%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">61.2%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">67.5%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">59.9%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">49.5%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">59.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">65.4%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">69.9%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">59.5%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">61.3%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">63.7%</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 9pt">Note:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 9pt">(1) Return on equity is based on segmental operating profit or loss adjusted
    for preference share dividends and tax, divided by average notional tangible equity (based on 12.5% (13% prior to Q1 2020) of the
    period average of segmental risk-weighted assets equivalents (RWAe) incorporating the effect of capital deductions), assuming 28%
    tax rate.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt"></FONT></P>

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.4 - Private Banking <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt"></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2019</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2020</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2021</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; width: 36%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 4%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 6%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Balance
    sheet</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- personal</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.3</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- mortgages</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.7</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">11.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">11.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">11.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">11.8</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- other</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">3.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">4.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Total loans to customers (amortised cost)&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">15.5</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">15.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">16.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">16.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">17.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">17.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18.5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Loan impairment provisions</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(0.1)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">15.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">15.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">16.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">16.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">17.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">17.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">18.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">18.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">18.4</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Total assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">23.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">23.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">23.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">24.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">26.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">26.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">27.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">28.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Funded assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">23.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">23.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">23.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">24.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">26.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">26.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">27.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">28.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.8</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Assets under management (AUMs) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">25.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">22.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">24.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">25.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">27.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">27.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">30.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">30.2</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Assets under administration (AUAs) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">5.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">4.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">4.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">4.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">5.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">5.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">5.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">5.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">5.4</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Assets under management and administration (AUMA)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">30.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">26.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">29.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">30.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">32.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">32.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">34.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">35.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">35.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Customer deposits&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">28.4</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">29.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">29.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">30.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">32.4</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">33.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">34.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">35.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">39.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Loan:deposit ratio (2)</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">55%</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">54%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">54%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">55%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">52%</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">52%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">52%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">52%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">47%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Risk-weighted assets&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- credit risk</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- counterparty credit risk</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.1</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- operational
    risk</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Total risk-weighted assets</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">10.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">10.3</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">10.4</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">10.6</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">10.9</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.2</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.2</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.4</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.3</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="3" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 9pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 9pt">(1) AUMA comprises both assets under management (AUMs) and assets under
administration (AUAs) serviced through the Private Banking franchise. AUMs comprises assets where the investment management is undertaken
by&nbsp;Private Banking on behalf of Private Banking, Retail Banking and Commercial &amp; Institutional customers. AUAs comprises
third party assets held on an execution-only basis in custody.&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 9pt">(2) Net customer loans held at amortised cost, excluding reverse repos,
    divided by total customer deposits, excluding repos.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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    <!-- Field: /Page -->

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.5 - Commercial &amp; Institutional</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; width: 31%"><FONT STYLE="font-size: 8pt">Commercial &amp; Institutional</FONT></TD>
    <TD STYLE="color: #42145F; width: 4%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Income statement</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">828</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,132</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">745</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">792</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">767</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">750</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,054</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">725</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">762</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">723</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">764</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2,974</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net fees and commissions</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">375</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,505</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">341</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">330</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">280</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">352</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,303</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">339</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">363</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">359</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">379</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,440</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Other non-interest income</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">295</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,713</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">454</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">363</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">337</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">91</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,245</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">187</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">97</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">112</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">418</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">OCA</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(22)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(80)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">155</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(102)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(43)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(24)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Non-interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">648</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">3,138</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">950</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">591</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">583</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">400</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2,524</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">528</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">459</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">473</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">404</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,864</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,476</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,270</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,695</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,383</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,350</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,150</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,578</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,253</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,221</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,196</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,168</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,838</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(536)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2,075)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(518)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(527)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(448)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(452)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,945)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(411)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(393)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(381)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(448)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,633)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Operating lease depreciation</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(138)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(36)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(37)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(37)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(145)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(36)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(140)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(577)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,989)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(459)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(471)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(436)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(582)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,948)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(469)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(446)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(428)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(530)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,873)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,148)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(4,202)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,013)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,035)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(921)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,069)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(4,038)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(915)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(874)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(845)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1,012)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(3,646)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(27)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(80)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">13</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(29)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(47)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(111)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,175)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(4,282)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,013)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,041)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(908)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,069)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(4,031)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(915)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(909)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(874)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,059)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(3,757)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Operating profit before impairment losses/releases</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">301</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,988</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">682</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">342</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">442</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">81</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,547</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">338</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">312</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">322</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">109</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,081</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(76)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(342)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(445)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,431)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(159)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(39)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(2,074)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">125</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">488</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">230</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">317</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,160</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Operating profit/(loss)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">225</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,646</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">237</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,089)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">283</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">42</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(527)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">463</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">800</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">552</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">426</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2,241</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">Analysis of income by business</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Business Banking</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">115</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">477</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">117</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">97</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">109</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">107</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">431</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">113</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">147</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">155</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">149</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">564</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Commercial Mid-market</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">750</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,974</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">679</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">668</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">671</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">664</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,681</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">641</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">638</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">603</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">624</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,506</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Corporate &amp; Institutions</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">611</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,819</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">899</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">618</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">570</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">379</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2,466</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">499</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">436</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">438</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">395</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,768</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,476</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6,270</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,695</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,383</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,350</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,150</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5,578</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,253</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,221</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,196</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,168</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4,838</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Analysis of impairments by business</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Business Banking</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">28</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">83</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">26</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">32</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(46)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(14)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(21)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(15)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Commercial Mid-market</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">28</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">116</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">353</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,111</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">100</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">166</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1,730</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(83)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(385)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(209)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(249)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(925)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Corporate &amp; Institutions</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">20</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">143</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">66</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">314</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(81)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">327</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(28)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(82)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(19)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(90)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(220)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total impairment losses/(releases)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">76</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">342</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">445</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1,431</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">159</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">39</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">2,074</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(125)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(488)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(230)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(317)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1,160)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Loan impairment charge/(releases)
    as % of gross customer</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;loans by business</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Business Banking</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5.09%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3.77%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4.95%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.44%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.97%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2.67%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.25%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.62%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.88%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.09%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.10%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.19%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Commercial Mid-market</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.15%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.15%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.78%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5.51%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.50%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.84%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.18%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.44%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(2.11%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1.16%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1.37%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(1.28%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Corporate &amp; Institutions</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.17%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.31%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.48%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.36%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.22%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.69%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.70%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.24%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.73%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.16%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.79%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.48%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Loan impairment
    charge/(releases) as % of gross customer loans</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.24%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.27%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.30%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4.11%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.47%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.12%</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.56%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.38%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1.53%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.72%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1.01%)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.92%)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Performance ratios</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Return on equity <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">2.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5.8%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(21.0%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(0.4%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">(3.7%)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10.9%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net interest margin&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.53%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.48%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.39%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.34%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.28%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.24%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.31%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.26%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.30%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.21%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.25%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.26%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Cost:income ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">79.1%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">67.6%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">58.9%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">74.6%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">66.3%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">92.7%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">71.5%</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">72.3%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">73.7%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">72.2%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">90.4%</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">77.0%</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(1) Return on equity is based on segmental operating profit or loss adjusted
    for preference share dividends and tax, divided by average notional tangible equity (based on 13% of the period average of segmental
    risk-weighted assets equivalents (RWAe) incorporating the effect of capital deductions), assuming 25% tax rate.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(2) Total operating expenses less operating lease depreciation divided by
    total income less operating lease depreciation.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

<!-- Field: Page; Sequence: 31 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.5 - Commercial &amp; Institutional <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2021</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; width: 36%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 4%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 9pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 6%"><FONT STYLE="font-size: 9pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Balance
    sheet</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- Business Banking&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">5.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">6.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">6.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.0</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- Commercial Mid-market&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">76.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">79.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">80.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">79.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">79.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">75.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">73.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">72.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">72.5</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;- Corporate &amp;
    Institutions</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">46.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">55.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">53.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">50.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">47.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">47.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">44.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">46.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">45.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Total loans to customers (amortised cost)&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">125.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">136.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">139.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">136.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">133.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">131.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">127.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">127.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">125.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Loan impairment provisions</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.4)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.8)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(3.2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(3.3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(3.2)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(2.9)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(2.3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(2.1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1.7)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">123.7</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">135.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">136.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">132.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">129.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">128.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">125.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">125.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">124.2</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Other loans&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">0.5</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Depositary assets <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(2)</FONT></FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">396.7</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">333.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">389.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">402.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">427.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">452.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">460.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">463.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">479.4</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Total assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">461.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">547.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">521.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">502.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">491.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">450.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">442.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">436.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">425.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Funded assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">313.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">341.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">340.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">340.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">327.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">329.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">334.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">333.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">321.3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Customer deposits&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">168.8</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">181.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">194.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">196.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">201.6</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">205.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">212.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">217.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">217.5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Loan:deposit ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">73%</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">74%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">70%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">67%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">63%</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">62%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">59%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">57%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">57%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Risk-weighted assets&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 9pt">- credit risk</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">78.6</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">83.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">84.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">82.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">79.0</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">75.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">73.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">71.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">70.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="font-size: 9pt">- counterparty credit risk</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">12.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">13.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">12.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="font-size: 9pt">- market risk</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">12.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">12.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">11.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">10.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">8.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7.8</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">- operational
    risk</FONT></TD>
    <TD STYLE="font-size: 11pt; vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt; vertical-align: bottom; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 11pt; vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">13.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">12.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">12.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">12.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">12.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">11.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Total risk-weighted assets</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">116.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">122.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">120.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">113.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">109.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">105.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">104.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">99.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">98.1</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(1) Net customer loans held at amortised cost, excluding reverse repos,
    divided by total customer deposits, excluding repos.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(2) Assets held by Commercial &amp; Institutional as an independent trustee
    and in a depositary service capacity.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt"></FONT></P>

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.6 - Ulster Bank RoI</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; width: 31%"><FONT STYLE="font-size: 8pt">Ulster Bank RoI</FONT></TD>
    <TD STYLE="color: #42145F; width: 4%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">Continuing Operations</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">Full year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Income statement</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">32</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">152</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">32</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">29</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">30</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">31</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">122</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">23</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">23</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">100</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Net fees and commissions</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">25</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">95</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">22</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">20</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">77</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">15</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">17</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">65</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Other non-interest income</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">54</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">23</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">39</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">63</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">Own credit adjustments&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Non-interest income</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">36</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">149</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">19</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">27</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">100</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">29</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">23</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">56</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">20</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">128</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">68</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">301</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">59</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">48</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">57</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">58</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">222</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">56</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">50</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">79</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">43</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">228</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(74)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(280)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(62)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(61)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(67)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(61)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(251)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(59)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(82)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(73)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(78)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(292)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(55)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(208)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(50)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(50)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(49)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(183)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(46)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(39)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(40)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(26)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(151)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(129)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(488)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(112)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(111)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(116)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(95)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(434)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(105)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(121)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(113)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(104)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(443)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(22)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(9)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(27)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(39)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Operating
    expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(130)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(510)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(112)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(110)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(116)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(103)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(441)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(114)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(125)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(112)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(131)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">(482)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #003366 0.5pt solid"><FONT STYLE="font-size: 8pt">Operating loss before impairment
    losses/releases</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #003366 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #003366 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(62)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(209)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(53)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(62)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(59)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(45)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(219)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(58)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(75)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(33)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(88)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #003366 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(254)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(123)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(139)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">13</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Operating loss</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(70)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(203)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(61)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(185)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(59)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(53)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(358)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(50)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(75)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(26)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(75)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(226)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">Average
    exchange rate - &euro;/&pound;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.163</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.141</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.162</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.127</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.105</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.108</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.125</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.144</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.160</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.169</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.179</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 8pt">1.163</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">Analysis of impairments by sector</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Mortgages</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">11</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">11</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">82</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">94</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(7)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">Other lending</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(17)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">41</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">45</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(10)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(21)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total impairment losses/(releases)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">123</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">139</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(7)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(13)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(28)</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.6 - Ulster Bank RoI <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; width: 36%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 4%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 6%"><FONT STYLE="font-size: 8pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Balance
    sheet</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- mortgages</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">13.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">13.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">14.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">13.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">13.7</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">12.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">12.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">12.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6.2</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- other lending</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.1</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">4.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.0</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total loans to customers (amortised
    cost)&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">19.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">19.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">19.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">19.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">18.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">17.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">17.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">13.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">7.2</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Loan impairment provisions</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- mortgages</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.6)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- other lending</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.2)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.2)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total
    loan impairment provisions</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.8)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.7)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.9)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.8)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.8)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.7)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.7)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Net loans to customers (amortised cost) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">16.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">16.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">13.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Total assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">26.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">27.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">27.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">26.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">22.8</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Funded assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">26.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">27.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">27.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">26.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">25.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">22.8</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Customer deposits&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.5</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">19.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">20.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">19.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">19.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18.4</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Loan:deposit ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1,2)</FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">98%</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">97%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">93%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">93%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">92%</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">92%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">90%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">71%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">36%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Risk-weighted assets</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- credit risk</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11.9</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10.7</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">8.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- market risk</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">- operational risk</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.0</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.0</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.0</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.0</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.0</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.9</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.9</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.9</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">0.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total risk-weighted assets</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">13.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">10.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">10.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">9.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Spot exchange rate - &euro;/&pound;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.175</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.132</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.100</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.101</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.113</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.174</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.165</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.165</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.190</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(1) Ulster Bank RoI net lending decreased by &pound;3.5 billion between
    Q2 and Q3 2021 as loans agreed to be sold to Allied Irish Banks p.l.c. as part of our phased withdrawal from the Republic of Ireland
    were reclassified as assets held for sale. Net lending&nbsp;decreased by a further &pound;6.5 billion in Q4 2021 as loans agreed
    to be sold to Allied Irish Banks p.l.c. and Permanent TSB p.l.c. were reclassified as disposal assets. In earlier comparative periods,
    these loans were included in net loans to customers.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(2) Net customer loans held at amortised cost divided by total customer
    deposits.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.6 - Ulster Bank RoI <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; width: 31%"><FONT STYLE="font-size: 9pt">Ulster Bank RoI</FONT></TD>
    <TD STYLE="color: #42145F; width: 4%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 6%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 9pt">Continuing Operations</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2019</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2020</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Full year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Income statement</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&euro;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">39</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">174</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">36</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">33</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">34</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">34</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">137</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">32</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">31</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">28</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">25</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">116</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Net fees and commissions</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">29</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">108</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">26</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">17</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">23</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">20</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">86</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">20</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">76</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Other non-interest income</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">14</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">62</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">27</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">14</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">46</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">73</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 9pt">Own credit adjustments&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Non-interest income</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">42</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">170</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">32</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">21</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">31</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">29</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">113</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">32</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">27</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">65</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">25</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">149</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Total income</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">81</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">344</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">68</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">54</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">65</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">63</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">250</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">64</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">58</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">93</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">50</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">265</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Direct expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(85)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(319)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(72)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(71)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(73)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(67)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(283)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(68)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(93)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(86)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(92)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(339)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Indirect expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(64)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(238)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(59)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(57)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(39)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(207)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(45)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(46)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(30)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(173)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Other operating expenses</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(149)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(557)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(131)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(128)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(125)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(106)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(490)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(120)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(138)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(132)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(122)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(512)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(25)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">--</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(9)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(8)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(10)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(5)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(31)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(45)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">Operating
    expenses</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(150)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(582)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(131)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(127)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(125)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(115)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(498)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(130)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(143)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(131)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(153)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right; border-top-color: #42145F; border-top-width: 0.5pt"><FONT STYLE="font-size: 9pt">(557)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Operating loss before impairment
    losses/releases</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(69)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(238)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(63)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(73)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(60)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(248)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(66)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(85)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(38)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(103)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(292)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(9)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">6</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(10)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(141)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(7)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(157)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">10</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">9</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">15</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">33</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Operating loss</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(78)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(232)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(73)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(214)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(59)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(59)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(405)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(56)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(86)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(29)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(88)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(259)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 9pt">Analysis of impairments by sector</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 9pt">Mortgages</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">13</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">13</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">95</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">107</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(8)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 9pt">Other lending</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(19)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">46</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">50</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(12)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 9pt">(25)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Total impairment losses/(releases)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">9</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(6)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">10</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">141</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">7</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">157</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(10)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(9)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(15)</FONT></TD>
    <TD STYLE="border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(33)</FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.6 - Ulster Bank RoI <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: 400; color: #42145F">(continued)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2019</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2020</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 8pt">2021</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; width: 36%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 4%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 December</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">31 March</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 June</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 5%"><FONT STYLE="font-size: 8pt">30 September</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; text-align: right; width: 6%"><FONT STYLE="font-size: 8pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Balance
    sheet</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD>
    <TD STYLE="color: #42145F; vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">&euro;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #003366; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- mortgages</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">16.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">15.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">15.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">15.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">15.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">15.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">14.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">14.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7.3</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- other lending</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">6.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.7</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">5.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total loans to customers (amortised
    cost)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">22.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">22.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">21.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">20.9</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">20.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">20.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">15.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">8.4</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Loan impairment provisions</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- mortgages</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.7)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.6)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.4)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-size: 8pt">- other lending</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.2)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.3)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.4)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">(0.1)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total
    loan impairment provisions</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.9)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.8)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.9)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.9)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.9)</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.9)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.8)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.6)</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: #42145F 0.5pt solid; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">(0.5)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Net loans to customers (amortised cost) <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1)</FONT></FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.4</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">20.5</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">20.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">20.0</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">19.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">19.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">15.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">7.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Total assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">30.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">30.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">30.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">27.2</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Funded assets</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">30.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">30.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.6</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">30.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">29.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">27.2</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.7</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.9</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">22.0</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.8</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.6</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">21.9</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">Loan:deposit ratio <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: 400">(1,2)</FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">98%</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">97%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">93%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">93%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">92%</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">91%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">90%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">71%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">36%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8pt">Risk-weighted assets&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: red; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: red; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: red; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: red; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- credit risk</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">14.0</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">13.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12.0</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">12.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">9.8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">- market risk</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">--</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: left"><FONT STYLE="font-size: 8pt">- operational risk</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.2</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">1.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">Total risk-weighted assets</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">15.3</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-weight: bold; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">14.4</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">14.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">13.3</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">13.2</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: white; vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">13.1</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">12.2</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">11.7</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 8pt">10.9</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 100%"><FONT STYLE="font-size: 8pt">Notes:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(1) Ulster Bank RoI net lending decreased by &euro;4.1 billion between Q2
    and Q3 2021 as loans agreed to be sold to Allied Irish Banks p.l.c. as part of our phased withdrawal from the Republic of Ireland
    were reclassified as assets held for sale. Net lending&nbsp;</FONT><FONT STYLE="font-size: 8pt">decreased by a further &euro;7.4 billion in Q4 2021 as
    loans agreed to be sold to Allied Irish Banks p.l.c. and Permanent TSB p.l.c. were reclassified as disposal assets. In earlier comparative
    periods, these loans were included in net loans to customers.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 8pt">(2) Net customer loans held at amortised cost, excluding reverse repos,
    divided by total customer deposits, excluding repos.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P>

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  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; width: 100%">Segment performance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #42145F; font-size: 10pt; font-weight: bold; border-bottom: #42145F 0.5pt solid">Section 3.7 - Central items &amp; other</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; width: 32%"><FONT STYLE="font-size: 9pt">Central items &amp; other</FONT></TD>
    <TD STYLE="color: #42145F; width: 4%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; width: 1%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; width: 5%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2019</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2020</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: center"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="color: #42145F; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2021</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Full year</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q1</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q2</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q3</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Q4</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">Full year</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #42145F; font-weight: bold; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD>
    <TD STYLE="color: #42145F; border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">Central items not allocated</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">940</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1,388</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(70)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(145)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(285)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(153)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(653)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(27)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">110</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(173)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(211)</FONT></TD>
    <TD STYLE="border-bottom: #42145F 0.5pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(301)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

<!-- Field: Page; Sequence: 37 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 77%; font-size: 9pt"><FONT STYLE="font-size: 9pt">NatWest Group April 2022 - Financial supplement: re-presentation of operating segments </FONT></TD><TD STYLE="width: 23%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->35<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Signatures</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 27pt">Pursuant to the requirements of the Securities Exchange
Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 27pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NATWEST GROUP plc (Registrant)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Date:</TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;April 22, 2022</TD>
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid">/s/ Gary Moore</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 25%">&nbsp;</TD>
    <TD STYLE="width: 20%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 41%">&nbsp;Gary Moore</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>&nbsp;Assistant Secretary</TD></TR>
  </TABLE>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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