<SEC-DOCUMENT>0001104659-24-052450.txt : 20240426
<SEC-HEADER>0001104659-24-052450.hdr.sgml : 20240426
<ACCEPTANCE-DATETIME>20240426075800
ACCESSION NUMBER:		0001104659-24-052450
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240426
FILED AS OF DATE:		20240426
DATE AS OF CHANGE:		20240426

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NatWest Group plc
		CENTRAL INDEX KEY:			0000844150
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		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:		24878850

	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>tm2412276d1_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">Report of Foreign Private Issuer</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: center">Pursuant to Rule&nbsp;13a-16 or 15d-16 of</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">the Securities Exchange Act of 1934</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: center">26 April&nbsp;2024</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: center">Commission file number: 001-10306</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Form&nbsp;6-K</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; text-align: center"><B>NatWest Group plc</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; text-align: center">Gogarburn</P>

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

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

<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">Indicate by check mark whether the registrant
files or will file annual reports under cover of Form&nbsp;20-F or Form&nbsp;40-F.</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: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Form
20-F <U>
 &nbsp;X&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Form
40-F <U>&nbsp;&nbsp;&nbsp;</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">This report on Form&nbsp;6-K, except for any information contained
on any websites linked or documents referred to in this report, shall be deemed incorporated by reference into the company&rsquo;s Registration
Statement on Form&nbsp;F-3 (File No.&nbsp;333-261837) and to be a part thereof from the date on which this report is 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>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Forward-looking statements</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Cautionary statement regarding forward-looking statements</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Certain sections in this document contain &lsquo;forward-looking statements&rsquo;
as that term is defined in the United States Private Securities Litigation Reform Act of 1995, such as statements that include 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.
In particular, this document includes forward-looking targets and guidance relating to financial performance measures, such as income
growth, operating expense, RoTE, ROE, discretionary capital distribution targets, impairment loss rates, balance sheet reduction, including
the reduction of RWAs, CET1 ratio (and key drivers of the CET1 ratio including timing, impact and details), Pillar 2 and other regulatory
buffer requirements and MREL and non-financial performance measures, such as NatWest Group&rsquo;s initial area of focus, climate and
sustainability-related performance ambitions, targets and metrics, including in relation to initiatives to transition to a net zero economy,
Climate and Sustainable Funding and Financing (CSFF) and financed emissions. In addition, this document includes forward-looking statements
relating, but not limited to: implementation of NatWest Group&rsquo;s strategy (including in relation to:, cost-controlling measures,
the Commercial&nbsp;&amp; Institutional segment and achieving a number of various targets within the relevant timeframe); the timing
and outcome of litigation and government and regulatory investigations; direct and on-market buy-backs; funding plans and credit risk
profile; managing its capital position; liquidity ratio; portfolios; net interest margin and drivers related thereto; lending and income
growth, product share and growth in target segments; impairments and write-downs; restructuring and remediation costs and charges; NatWest
Group&rsquo;s exposure to political risk, economic assumptions and risk, climate, environmental and sustainability risk, operational
risk, conduct risk, financial crime risk, cyber, data and IT risk and credit rating risk and to various types of market risk, including
interest rate risk, foreign exchange rate risk and commodity and equity price risk; customer experience, including our Net Promoter Score;
employee engagement and gender balance in leadership positions.</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; color: rgb(90,40,125)"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Limitations
inherent to forward-looking statements</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">These statements are based on current plans, expectations, estimates,
targets and projections, and are subject to significant inherent risks, uncertainties and other factors, both external and relating to
NatWest Group&rsquo;s strategy or operations, which may result in NatWest Group being unable to achieve the current plans, expectations,
estimates, targets, projections and other anticipated outcomes expressed or implied by such forward-looking statements. In addition,
certain of these disclosures are dependent on choices relying on key model characteristics and assumptions and are subject to various
limitations, including assumptions and estimates made by management. By their nature, certain of these disclosures are only estimates
and, as a result, actual future results, gains or losses could differ materially from those that have been estimated. Accordingly, undue
reliance should not be placed on these statements. The forward-looking statements contained in this document speak only as of the date
we make them and we expressly disclaim any obligation or undertaking to update or revise any forward-looking statements contained herein,
whether to reflect any change in our expectations with regard thereto, any change in events, conditions or circumstances on which any
such statement is based, or otherwise, except to the extent legally required.</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; color: rgb(90,40,125)"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Important
factors that could affect the actual outcome of the forward-looking statements</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We caution you that a large number of important factors could adversely
affect our results or our ability to implement our strategy, cause us to fail to meet our targets, predictions, expectations and other
anticipated outcomes or affect the accuracy of forward-looking statements described in this document. These factors include, but are
not limited to, those set forth in the risk factors and the other uncertainties described in NatWest Group plc&rsquo;s Annual Report
on Form&nbsp;20-F and its other filings with the US Securities and Exchange Commission. The principal risks and uncertainties that could
adversely affect NatWest Group&rsquo;s future results, its financial condition and/or prospects and cause them to be materially different
from what is forecast or expected, include, but are not limited to: economic and political risk (including in respect of: political and
economic risks and uncertainty in the UK and global markets, including due to GDP growth, inflation and interest rates, political uncertainty
and instability, supply chain disruption and geopolitical tensions and armed conflict); changes in foreign currency exchange rates; uncertainty
regarding the effects of Brexit; and HM Treasury&rsquo;s ownership as the largest shareholder of NatWest Group plc); strategic risk (including
in respect of the implementation of NatWest Group&rsquo;s strategy; future acquisitions and divestments (including the phased withdrawal
from ROI), and the transfer of its Western European corporate portfolio); financial resilience risk (including in respect of: NatWest
Group&rsquo;s ability to meet targets and to make discretionary capital distributions; the competitive environment; counterparty and
borrower risk; liquidity and funding risks; prudential regulatory requirements for capital and MREL; reductions in the credit ratings;
the requirements of regulatory stress tests; model risk; sensitivity to accounting policies, judgments, estimates and assumptions (and
the economic, climate, competitive and other forward looking information affecting those judgments, estimates and assumptions); changes
in applicable accounting standards; the value or effectiveness of credit protection; the adequacy of NatWest Group&rsquo;s future assessments
by the Prudential Regulation Authority and the Bank of England; and the application of UK statutory stabilisation or resolution powers);
climate and sustainability risk (including in respect of: risks relating to climate-related and sustainability-related risks; both the
execution and reputational risk relating to NatWest Group&rsquo;s climate change-related strategy, ambitions, targets and transition
plan; climate and sustainability-related data and model risk; the failure to implement climate change resilient governance, systems,
controls and procedures; increasing levels of climate, environmental, human rights and sustainability-related regulation and oversight;
increasing anti-greenwashing regulations; climate, environmental and sustainability-related litigation, enforcement proceedings investigations
and conduct risk; and reductions in ESG ratings); operational and IT resilience risk (including in respect of: operational risks (including
reliance on third party suppliers); cyberattacks; the accuracy and effective use of data; complex IT systems; attracting, retaining and
developing diverse senior management and skilled personnel; NatWest Group&rsquo;s risk management framework; and reputational risk);
and legal, regulatory and conduct risk (including in respect of: the impact of substantial regulation and oversight; the outcome of legal,
regulatory and governmental actions, investigations and remedial undertakings; and changes in tax legislation or failure to generate
future taxable profits).</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"></P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Forward-looking statements continued</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Climate and sustainability-related disclosures</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Climate and sustainability-related disclosures in this document are
not measures within the scope of International Financial Reporting Standards (&lsquo;IFRS&rsquo;), use a greater number and level of
judgments, assumptions and estimates, including with respect to the classification of climate and sustainable funding and financing activities,
than our reporting of historical financial information in accordance with IFRS. These judgments, assumptions and estimates are highly
likely to change materially over time, and, when coupled with the longer time frames used in these disclosures, make any assessment of
materiality inherently uncertain. In addition, our climate risk analysis, net zero strategy, including the implementation of our climate
transition plan remain under development, and the data underlying our analysis and strategy remain subject to evolution over time. The
process we have adopted to define, gather and report data on our performance on climate and sustainability-related measures is not subject
to the formal processes adopted for financial reporting in accordance with IFRS and there are currently limited industry standards or
globally recognised established practices for measuring and defining climate and sustainability-related metrics. As a result, we expect
that certain climate and sustainability-related disclosures made in this document are likely to be amended, updated, recalculated or
restated in the future. Please also refer to the cautionary statement in the section entitled &lsquo;Climate-related and other forward-looking
statements and metrics&rsquo; of the NatWest Group 2023 Climate-related Disclosures Report.</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; color: #5a287d"><B>Cautionary statement regarding Non-IFRS financial
measures and APMs</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group prepares its financial statements in accordance with generally
accepted accounting principles (GAAP). This document may contain financial measures and ratios not specifically defined under GAAP or
IFRS (&lsquo;Non-IFRS&rsquo;) and/or alternative performance measures (&lsquo;APMs&rsquo;) as defined in European Securities and Markets
Authority (&lsquo;ESMA&rsquo;) guidelines. Non-IFRS measures and APMs 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. 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. Any Non-IFRS measures and/or APMs included in this document, are
not measures within the scope of IFRS, are based on a number of assumptions that are subject to uncertainties and change, and are not
a substitute for IFRS measures.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The information, statements and opinions contained in this document
do not constitute a public offer under any applicable legislation or an offer to sell or a solicitation of an offer to buy any securities
or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.</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"></P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Introduction</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Presentation of information</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Unless otherwise specified herein, &lsquo;Parent company&rsquo; refers
to NatWest Group plc, and &lsquo;NatWest Group&rsquo;, &lsquo;Group&rsquo; or &lsquo;we&rsquo; refers to NatWest Group plc and its subsidiaries.
The term &lsquo;NWH Group&rsquo; refers to NatWest Holdings Limited (&lsquo;NWH Limited&rsquo;) and its subsidiary and associated undertakings.
The term &lsquo;NWM Group&rsquo; refers to NatWest Markets Plc (&lsquo;NWM Plc&rsquo;) and its subsidiary and associated undertakings.
The term &lsquo;NWM N.V.&rsquo; refers to NatWest Markets N.V. The term &lsquo;NWM N.V. Group&rsquo; refers to NatWest Markets N.V. and
its subsidiary and associated undertakings The term &lsquo;NWMSI&rsquo; refers to NatWest Markets Securities,&nbsp;Inc. The term &lsquo;RBS
plc&rsquo; refers to The Royal Bank of Scotland plc. The term &lsquo;NWB Plc&rsquo; refers to National Westminster Bank Plc. The term
 &lsquo;UBIDAC&rsquo; refers to Ulster Bank Ireland DAC. The term &lsquo;RBSI Ltd&rsquo; refers to The Royal Bank of Scotland International
Limited.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group publishes its financial statements in pounds sterling
(&lsquo;&pound;&rsquo; or &lsquo;sterling&rsquo;). The abbreviations &lsquo;&pound;m&rsquo; and &lsquo;&pound;bn&rsquo; represent millions
and thousands of millions of pounds sterling (&lsquo;GBP&rsquo;), respectively, and references to &lsquo;pence&rsquo; represent pence
where amounts are denominated in pounds sterling. Reference to &lsquo;dollars&rsquo; or &lsquo;$&rsquo; are to United States of America
(&lsquo;US&rsquo;) dollars. The abbreviations &lsquo;$m&rsquo; and &lsquo;$bn&rsquo; represent millions and thousands of millions of
dollars, respectively. The abbreviation &lsquo;&euro;&rsquo; represents the &lsquo;euro&rsquo;, and the abbreviations &lsquo;&euro;m&rsquo;
and &lsquo;&euro;bn&rsquo; represent millions and thousands of millions of euros, respectively.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">To aid readability, this document contains references to EU legislative
and regulatory provisions in effect in the UK before 1 January&nbsp;2021 that have now been implemented in UK domestic law. These references
should be read and construed as including references to the applicable UK implementation measures with effect from 1 January&nbsp;2021.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Any information contained on websites linked or reports referenced in
this interim results report for the three month period ended 31 March&nbsp;2024 on Form&nbsp;6-K is for information only and will not
be deemed to be incorporated by reference herein.</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; color: #5a287d"><B>Non-IFRS financial information</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group prepares its financial statements in accordance with UK-adopted
International Accounting Standards (IAS) and International Financial Reporting Standards (IFRS). This document contains a number of non-IFRS
measures, also known as alternative performance measures, defined under the European Securities and Markets Authority guidance or non-GAAP
financial measures in accordance with SEC regulations. 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.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 a calculation of metrics that are used throughout the banking industry.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">These non-IFRS measures are not a substitute for IFRS measures and should
not be considered in isolation. A reconciliation to the closest IFRS measure is presented where appropriate. For details of the basis
of preparation and reconciliation where appropriate refer to appendix &lsquo;Non-IFRS financial measures&rsquo; on page&nbsp;37.</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"></P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; border-collapse: collapse">
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt; width: 93%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>NatWest
    Group Q1 2024 results on Form&nbsp;6-K</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; width: 7%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Page</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><A HREF="#a_001"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Highlights</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_001"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><A HREF="#a_002"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Business
    performance summary</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_003"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Chief
Financial Officer&rsquo;s review</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_003"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_004"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Retail
Banking</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_004"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_005"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Private
Banking</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_005"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_006"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Commercial&nbsp;&amp;
Institutional</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_006"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_007"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Central
items&nbsp;&amp; other</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_007"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_008"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment
performance</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_008"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><A HREF="#a_009"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Risk
    and capital management</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_010"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Credit
risk</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_010"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 3pt 0.2in"><A HREF="#a_011"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Capital,
liquidity and funding risk </FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_011"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><A HREF="#a_012"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Condensed
    consolidated financial statements</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_012"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">30</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><A HREF="#a_013"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Notes
    to the financial statements</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_013"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><A HREF="#a_014"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Additional
    information</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_014"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">35</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><A HREF="#a_015"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Appendix
    - Non-IFRS financial measures</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 10pt 3pt 5.4pt; text-align: right"><A HREF="#a_015"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37</FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5a287d"><A NAME="a_001"></A>Q1 2024 performance summary</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Chief Executive, Paul Thwaite, commented:</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;NatWest Group has delivered a strong set of results for the first
quarter - with an operating profit of &pound;1.3 billion - as we remain focused on the priorities we set out in February, which will
help us shape the future of this bank.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our performance is grounded in the vital role we play in the economy
and in the lives of our 19 million customers. Though macro-uncertainty continues, customer confidence and activity is improving, with both lending<SUP>(1)</SUP>&nbsp;and
deposits  up in the quarter, and impairments remaining low, reflecting our well-diversified business.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We are ambitious for this bank, and by succeeding for our customers,
we will succeed for our shareholders. Our first priority is delivering disciplined growth across our three businesses by serving our
customers well. At the same time, we are becoming simpler, more productive and easier to deal with. As a result, we aim to generate returns
that allow us to support our customers, invest in our business and deliver attractive distributions to shareholders.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We are also pleased with the recent momentum in the reduction of HM
Treasury&rsquo;s stake in the bank. Returning NatWest Group to private ownership is a shared ambition and we believe it is in the best
interests of both the bank and all our shareholders.&rdquo;</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt; color: #5a287d"><B>Strong Q1
2024 performance</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; width: 0.25in; font-size: 11pt"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Q1 2024
    attributable profit of &pound;918 million and a return on equity of 9.8%. Return on tangible equity (RoTE) was 14.2%.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; font-size: 11pt"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income
    of &pound;3,475 million was &pound;62 million, or 1.8%, lower compared with Q4 2023 and &pound;401 million, or 10.3%, lower compared
    with Q1 2023. Total income excluding notable items was &pound;3,414 million. The reduction of &pound;28 million, or 0.8%, compared
    with Q4 2023, was due to the impact of one day fewer, with mortgage margin pressure largely offset by higher markets income in Commercial&nbsp;&amp;
    Institutional, and &pound;406 million lower than Q1 2023 principally reflecting lower deposit balances and mix changes, and lending
    margin pressure.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; font-size: 11pt"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest
    margin (NIM) of 2.05% was 6 basis points higher than Q4 2023 principally reflecting notable items and changes within central items,
    while NIM across the three businesses was stable.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 6pt; font-size: 11pt"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD>
    <TD STYLE="padding-bottom: 6pt; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
    expenses of &pound;2,052 million were &pound;102 million, or 4.7%, lower than Q4 2023 and &pound;64 million, or 3.2%, higher compared
    with Q1 2023. Other operating expenses were broadly stable compared with Q4 2023 (&pound;13 million lower), and &pound;96 million,
    or 5.0%, higher than Q1 2023 principally reflecting the Bank of England Levy and increased staff costs due to inflation and severance
    costs, partially offset by ongoing simplification of our business and lower costs in relation to our withdrawal from the Republic
    of Ireland.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 11pt"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A net impairment
    charge of &pound;93 million, or 10 basis points of gross customer loans, principally reflected the continued strong performance of
    our lending book. Levels of default remain stable and at low levels across the portfolio.</FONT></TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Robust balance sheet with strong capital and liquidity
levels</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to
                                            customers of &pound;378.0 billion decreased by &pound;3.4 billion, or 0.9%, during Q1 2024.
                                            Net loans to customers excluding central items increased by &pound;1.4 billion, or 0.4% in
                                            the quarter, to &pound;357.0 billion primarily reflecting growth in Corporate&nbsp;&amp;
                                            Institutions partially offset by increased mortgage redemptions in the quarter within Retail
                                            Banking.</FONT></TD></TR></TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Up to 31 March&nbsp;2024
                                            we have provided &pound;68.5 billion of our target to provide &pound;100 billion climate
                                            and sustainable funding and financing between 1 July&nbsp;2021 and the end of 2025.</FONT></TD></TR></TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits
                                            of &pound;432.8 billion were &pound;1.4 billion, or 0.3% higher than Q4 2023. Customer deposits
                                            excluding central items increased by &pound;0.9 billion, or 0.2%, in the quarter primarily
                                            reflecting growth of &pound;2.0 billion in Retail Banking partially offset by a &pound;1.2
                                            billion reduction in Commercial&nbsp;&amp; Institutional due to active management of our
                                            commercial deposits and reduced liquidity in the market. Term balances now account for 17%
                                            of our book, up from 16% at the end of 2023.</FONT></TD></TR></TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The loan:deposit
                                            ratio (LDR) was 87% at Q1 2024. The LDR (excl. repos and reverse repos) was 84% at Q1 2024,
                                            with customer deposits exceeding net loans to customers by around &pound;66 billion.</FONT></TD></TR></TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The liquidity
                                            coverage ratio (LCR) of 151%, representing &pound;53.8 billion headroom above 100% minimum
                                            requirement, increased by 7 percentage points compared with Q4 2023 primarily due to increased
                                            issuance and customer deposits coupled with the replacement of the Cash Ratio Deposit scheme
                                            with a Bank of England Levy.</FONT></TD></TR></TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net asset value per share increased by 11 pence in the
                                                                                quarter to 389 pence.</FONT> TNAV per share increased by 10 pence in the quarter to 302 pence primarily reflecting the attributable profit for the period.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Shareholder return supported strong capital generation</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Common Equity
                                            Tier (CET1) ratio of 13.5% was 10 basis points higher than Q4 2023 as the attributable profit
                                            for the quarter, c.50 basis points, was largely offset by a &pound;3.3 billion increase in
                                            RWAs, c.25 basis points, and a &pound;367 million ordinary dividend deduction, c.20 basis
                                            points.</FONT></TD></TR></TABLE>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="color: rgb(65,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs increased
                                            by &pound;3.3 billion in the quarter to &pound;186.3 billion largely reflecting a &pound;1.6
                                            billion increase associated with the annual update to operational risk and lending growth
                                            within Commercial&nbsp;&amp; Institutional.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt; color: #5a287d"><B>Outlook
</B></FONT><B><FONT STYLE="font-size: 8.5pt; color: #42145f"><SUP>(2)</SUP></FONT></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.25in; text-align: left">&ndash;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">We
                                            retain the outlook guidance provided in the 2023 Annual Report and Accounts with the exception
                                            of full year 2024 Group operating costs (excluding litigation and conduct costs) which is
                                            now expected to be broadly stable compared with 2023 excluding around &pound;0.1 billion
                                            increase in bank levies.</FONT></TD>
</TR></TABLE>



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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.5in; text-align: center"><FONT STYLE="font-size: 6pt">(1)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 6pt">Loans
                                            to customers excluding central items.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.5in; text-align: center"><FONT STYLE="font-size: 6pt">(2)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 6pt">The
                                            guidance, targets, expectations and trends discussed in this section represent NatWest Group
                                            plc management&rsquo;s current expectations and are subject to change, including as a result
                                            of the factors described in the NatWest Group plc Risk Factors in the 2023 Annual Report
                                            on Form&nbsp;20-F. These statements constitute forward-looking statements. Refer to Forward-looking
                                            statements in this announcement.</FONT></TD>
</TR></TABLE>


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

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

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145f"><A NAME="a_002"></A>Business performance summary</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 11%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Summary
    consolidated income statement</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m&nbsp;</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,651</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,638</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,902</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-interest
    income</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>824</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">899</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">974</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total
    income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,475</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,537</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,876</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Litigation
    and conduct costs</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(24)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(113)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(56)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    operating expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2,028)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,041)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,932)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating
    expenses</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2,052)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,154)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,988)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    before impairments</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,423</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,383</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,888</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    losses</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(93)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(126)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(70)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating
    profit before tax</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,330</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,257</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,818</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax
    (charge)/credit</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(339)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(512)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    from continuing operations</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>991</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,262</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,306</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(Loss)/profit
    from discontinued operations, net of tax</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    for the period</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>987</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,288</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,341</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-bottom: 1pt; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Performance
    key metrics and ratios</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Notable items within
    total income&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;61m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;95m</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;56m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    income excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;3,414m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;3,442m</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;3,820m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.05%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.99%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.25%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average interest earning
    assets&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;521bn</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;525bn</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;522bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl.
    litigation and conduct)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>58.4%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57.7%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10bps</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7bps</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit attributable to
    ordinary shareholders</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;918m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;1,229m</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;1,279m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total earnings per share
    attributable to ordinary shareholders - basic</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10.5p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.9p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.2p</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on tangible equity
    (RoTE)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.2%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.1%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Climate
    and sustainable funding and financing&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;6.6bn</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;8.7bn</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;7.6bn</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Balance
    sheet</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>697.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">695.6</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers -
    amortised cost</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>378.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">381.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">374.2</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers excluding
    central items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,4)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>357.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">355.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">352.4</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers and
    banks - amortised cost and FVOCI&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387.7</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">385.8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total impairment provisions&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(5)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.4</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Expected credit loss
    (ECL) coverage ratio</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.94%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.93%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.89%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under management
    and administration (AUMA)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>43.1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">40.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.2</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>432.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">431.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">430.5</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits excluding central items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,4)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>420.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">419.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">421.8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Liquidity
    and funding</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liquidity coverage ratio
    (LCR)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>151%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">144%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">139%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liquidity portfolio&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(6)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>229</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">216</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net stable funding ratio
    (NSFR)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>136%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">133%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">141%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan:deposit ratio (excl.
    repos and reverse repos)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>84%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">84%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">83%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total wholesale funding</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>87</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">80</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">79</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Short-term
    wholesale funding</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Capital
    and leverage</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Common Equity Tier 1
    (CET1) ratio&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(7)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.4%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total capital ratio&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(7)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18.8%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.4%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Pro forma CET1 ratio
    (excl. foreseeable items)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(8)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.3%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.2%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted assets
    (RWAs)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>186.3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">178.1</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">UK leverage ratio</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5.1%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.0%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tangible net asset value
    (TNAV) per ordinary share&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,9)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>302p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">292p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">278p</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Number
    of ordinary shares in issue (millions)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(9)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,727</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,792</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,581</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center; width: 0.4in"><FONT STYLE="font-size: 6pt">(1)</FONT></TD>
<TD><FONT STYLE="font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation
of non-IFRS financial measures and performance metrics.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-size: 6pt">(2)</FONT></TD>
<TD><FONT STYLE="font-size: 6pt">Refer to page&nbsp;40 of the Non-IFRS financial measures appendix for details.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</FONT></TD>
<TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest Group uses its climate and sustainable funding and
financing inclusion (CSFFI) criteria to determine the assets, activities and companies that are eligible to be included within its climate
and sustainable funding and financing target. This includes both provision of committed (on and off-balance sheet) funding and financing,
including provision of services for underwriting issuances and private placements.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</FONT></TD>
<TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central items includes Treasury repo activity and Ulster
Bank Republic of Ireland.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(5)</FONT></TD>
<TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes &pound;0.1 billion relating to off-balance sheet
exposures (31 December&nbsp;2023 &ndash; &pound;0.1 billion; 31 March&nbsp;2023 - &pound;0.1 billion).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(6)</FONT></TD>
<TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Comparative period for March&nbsp;2023 has been re-presented
on an LCR basis in line with the Liquidity portfolio definition as of 31 December&nbsp;2023.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(7)</FONT></TD>
<TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Capital, liquidity and funding risk section
for details of the basis of preparation.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(8)</FONT></TD>
<TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The pro forma CET1 ratio at 31 March&nbsp;2024 excludes foreseeable
items of &pound;1,633 million: &pound;1,380 million for ordinary dividends and &pound;253 million foreseeable charges (31 December&nbsp;2023
excludes foreseeable items of &pound;1,538 million: &pound;1,013 million for ordinary dividends and &pound;525 million foreseeable charges;
31 March&nbsp;2023 excludes foreseeable items of &pound;2,351 million: &pound;1,479 million for ordinary dividends and &pound;872 million
foreseeable charges).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(9)</FONT></TD>
<TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The number of ordinary shares in issue excludes own shares
held.</FONT></TD></TR>
</TABLE>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Business performance summary</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5a287d"><B><A NAME="a_003"></A>Chief Financial Officer&rsquo;s
review</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We delivered an operating profit of &pound;1,330 million in the
    first quarter with a return on equity of 9.8% for Q1 2024 and a RoTE of 14.2%. Total income of &pound;3,475 million was &pound;62
    million, or 1.8%, lower than Q4 2023. Total income excluding notable items was broadly stable on Q4 2023, and we continue to see
    low levels of default across our portfolio, with a net impairment charge of 10 basis points of gross customer loans.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Net lending across the three businesses has increased in the quarter,
    as growth in Corporate&nbsp;&amp; Institutions was partially offset by higher mortgage redemptions, and we have seen growth in customer
    deposits. Our robust balance sheet means that we remain in a strong liquidity position, with an LCR of 151%, representing &pound;53.8
    billion headroom above 100% minimum requirement, an LDR of 87% and an LDR (excl. repos and reverse repos) of 84%. Our CET1 ratio
    remains within our targeted range at 13.5%.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Financial performance</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Total income decreased by 1.8% to &pound;3,475 million compared
    with Q4 2023 and was 10.3% lower than Q1 2023. Total income excluding notable items was &pound;3,414 million, a reduction of &pound;28
    million, or 0.8%, compared with Q4 2023, due to the impact of one day fewer, with mortgage margin pressure largely offset by higher
    markets income in Commercial&nbsp;&amp; Institutional, and &pound;406 million lower than Q1 2023 principally reflecting lower deposit
    balances and mix changes, and lending margin pressure.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NIM of 2.05% was 6 basis points higher than Q4 2023 principally
    reflecting notable items and changes within central items, while NIM across the three businesses was stable.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total operating expenses were &pound;102 million lower
    than Q4 2023 and &pound;64 million higher than Q1 2023. Other operating expenses were broadly stable compared with Q4 2023 (&pound;13
    million lower), and &pound;96 million, or 5.0%, higher than Q1 2023 principally reflecting the Bank of England Levy and increased
    staff costs due to inflation and severance costs, partially offset by simplification in our business and lower costs in relation
    to our withdrawal from the Republic of Ireland. We remain committed to deliver on our full year cost guidance, excluding the impact
    of increased bank levies.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A net impairment charge of &pound;93 million principally
    reflected the continued strong performance of our lending book. Levels of default remain stable and at low levels across the portfolio
    despite inflationary pressures and the higher interest rate environment. Compared with Q4 2023, our ECL provision remained flat at
    &pound;3.6 billion and our ECL coverage ratio has increased from 0.93% to 0.94%. We retain post model adjustments of &pound;0.4 billion
    related to economic uncertainty, or 11.3% of total impairment provisions. Whilst we are comfortable with the strong credit performance
    of our book, we will continue to assess this position regularly and are closely monitoring the impacts of inflationary pressures
    on the UK economy and our customers.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">As a result, we are pleased to report an attributable
    profit for Q1 2024 of &pound;918 million, with earnings per share of 10.5 pence, return on equity of 9.8% and a RoTE of 14.2%.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Net loans to customers of &pound;378.0 billion decreased by &pound;3.4
    billion in Q1 2024. Net loans to customers excluding central items increased by &pound;1.4 billion in the quarter to &pound;357.0
    billion primarily reflecting a &pound;3.4 billion increase in Commercial&nbsp;&amp; Institutional partially offset by &pound;1.7
    billion reduction in Retail Banking due to higher mortgage redemptions. Total gross new mortgage lending was &pound;5.2 billion in
    the quarter, compared with &pound;9.9 billion in Q1 2023 and &pound;5.6 billion in Q4 2023, representing flow share of c.10.5%. Within
    Commercial&nbsp;&amp; Institutional, growth was largely within Corporate&nbsp;&amp; Institutions, partly offset by UK Government
    Scheme repayments of &pound;0.6 billion.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Up to 31 March&nbsp;2024 we have provided &pound;68.5 billion against
    our target to provide &pound;100 billion climate and sustainable funding and financing between 1 July&nbsp;2021 and the end of 2025.
    As part of this we aim to provide at least &pound;10 billion in lending for EPC A and B rated residential properties between 1 January&nbsp;2023
    and the end of 2025. During Q1 2024 we provided &pound;6.6 billion climate and sustainable funding and financing, which included
    &pound;0.5 billion in lending for EPC A and B rated residential properties.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Customer deposits increased by &pound;1.4 billion during Q1 2024
    to &pound;432.8 billion. Customer deposits excluding central items increased by &pound;0.9 billion in the quarter to &pound;420.0
    billion reflecting &pound;2.0 billion growth in Retail Banking partially offset by a &pound;1.2 billion reduction in Commercial&nbsp;&amp;
    Institutional primarily as a result of active management of our commercial deposits and reduced liquidity in the market. Deposit
    mix was more stable in the quarter than the levels of migration observed in 2023; term balances now account for 17% of our book,
    up from 16% at Q4 2023.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Net asset value per share increased by 11 pence in the quarter to 389
    pence. TNAV per share increased by 10 pence in the quarter to 302 pence
    primarily reflecting the attributable profit for the period. </P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital and leverage</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The CET1 ratio was 13.5%, or 13.4% excluding IFRS 9 transitional
    relief, and increased by 10 basis points in the quarter as the attributable profit, c.50 basis points, was largely offset by a &pound;3.3
    billion increase in RWAs, c.25 basis points, and a &pound;367 million ordinary dividend deduction, c.20 basis points. NatWest Group&rsquo;s
    minimum requirement for own funds and eligible liabilities (MREL) was 30.7%.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">RWAs increased by &pound;3.3 billion in the quarter to &pound;186.3
    billion largely reflecting a &pound;1.6 billion increase associated with the annual update to operational risk and lending growth
    within Commercial&nbsp;&amp; Institutional.&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Funding and liquidity</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The LCR increased by 7 percentage points to 151%, representing &pound;53.8
    billion headroom above 100% minimum requirements primarily due to increased issuance and customer deposits coupled with the replacement
    of the Cash Ratio Deposit scheme with a Bank of England Levy. Our primary liquidity at Q1 2024 was &pound;158.4 billion and &pound;112.8
    billion, or 71%, of this was cash at central banks. Total wholesale funding increased by &pound;7.0 billion in the quarter to &pound;86.6
    billion.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Business performance summary</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B><A NAME="a_004"></A>Retail Banking</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 64%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,325</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,369</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,604</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(773)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(681)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(696)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;of which:
    Other operating expenses</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>(767)</I></B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(647)</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(693)</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(63)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(103)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(114)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>489</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">585</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">794</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>16.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.2%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">30.0%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.22%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.23%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.75%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl.
    litigation and conduct)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>57.9%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">47.3%</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">43.2%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan
    impairment rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12bps</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22bps</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #42145f"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 64%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>203.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">205.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">201.7</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>190.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">188.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">184.0</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>62.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55.6</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.4in"><P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(1)</P>
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(2)</P></TD>
    <TD><P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white">Refer to the Non-IFRS financial measures
    appendix for details of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</P>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white">Refer to page&nbsp;40 of the Non-IFRS financial
    measures appendix for details.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">During Q1 2024, Retail Banking continued to take
a measured approach to risk, whilst delivering an operating profit of &pound;0.5 billion and a return on equity of 16.5%.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">Retail Banking provided &pound;0.5 billion of
climate and sustainable funding and financing in Q1 2024 from lending on properties with an EPC rating of A or B.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income was &pound;44
    million, or 3.2%, lower than Q4 2023 due to continued mortgage margin dilution and the impact of one day fewer in the quarter. Total
    income was &pound;279 million, or 17.4%, lower than Q1 2023 reflecting mortgage margin dilution, impact of the deposit balance mix
    shift from non-interest bearing to interest bearing balances and higher funding costs, partly offset by lending growth.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin was 1
    basis point lower than Q4 2023 largely reflecting mortgage margin dilution partly offset by increasing structural hedge benefit.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;773
    million were &pound;92 million, or 13.5%, higher than Q4 2023 and &pound;77 million, or 11.1%, higher than Q1 2023. Other operating
    expenses were &pound;120 million, or 18.5%, higher than Q4 2023 reflecting the Bank of England Levy, increased severance costs as
    well as branch and property exit costs. Other operating expenses were &pound;74 million, or 10.7%, higher than Q1 2023 reflecting
    the Bank of England Levy, increased severance costs and branch and property exit costs partly offset by savings from a 7.1% reduction
    in headcount.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An impairment charge of &pound;63
    million in Q1 2024 with stage 3 inflows reflecting normalisation of risk parameters, partly offset by good book releases related
    to model updates.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers were
    &pound;1.7 billion, or 0.8%, lower than Q4 2023 reflecting lower mortgage balances of &pound;1.8 billion with higher redemptions
    only partly offset by gross new mortgage lending of &pound;5.0 billion. Cards balances increased by &pound;0.3 billion partly offset
    by &pound;0.2 billion lower personal advances.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits increased
    by &pound;2.0 billion, or 1.1%, in Q1 2024 reflecting growth in savings and current account balances.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs increased by &pound;0.9 billion, or 1.5%, in Q1
    2024 primarily due to the annual update for operational risk calculation.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Business performance summary</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B><A NAME="a_005"></A>Private Banking</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 64%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>208</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">209</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">296</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(181)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(206)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(155)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;o<I>f which:
    Other operating expenses</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>(180)</I></B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(208)</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(152)</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment releases/(losses)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(8)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit/(loss)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">133</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6.7%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.8%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28.5%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.06%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.07%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.31%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl.
    litigation and conduct)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>86.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">99.5%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.4%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(13)bps</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17bps</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">AUM
    net flows (&pound;bn)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.4</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.6</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>As
    at</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 64%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>18.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.2</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>37.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.3</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.4</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">Assets
    Under Management (AUMs)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>33.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29.6</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">Assets
    Under Administration (AUAs)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>9.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.6</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">Total
    Assets Under Management and Administration (AUMA)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>43.1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">40.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.2</FONT></TD></TR>
  </TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center; width: 0.4in"><FONT STYLE="font-size: 6pt">(1) </FONT></TD>
<TD><FONT STYLE="font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation
of non-IFRS financial measures and performance metrics. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-size: 6pt">(2)&nbsp;</FONT></TD>
<TD><FONT STYLE="font-size: 6pt">Refer to page 40 of the Non-IFRS financial measures appendix for details.</FONT></TD></TR>
</TABLE>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During Q1 2024, Private Banking delivered a return on equity of
    6.7% and an operating profit of &pound;33 million, reflecting the impact of 2023 sharp changes in deposit volume and mix adversely
    impacting hedge returns. Q1 2024 has seen a strong performance in deposits given seasonal tax outflow impact and good AUMA growth
    setting a strong foundation for improved profitability.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Private Banking provided &pound;0.07 billion of climate and sustainable
    funding and financing in Q1 2024 from lending on properties with an EPC rating of A or B.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Total
    income was broadly flat compared to Q4 2023 as deposit balances and mix continued to stabilise with the impact of one day fewer largely
    offset by higher investment fee income from increased AUMA. Total income was &pound;88 million, or 29.7%, lower than Q1 2023 reflecting
    lower deposit balances and a change in product mix as customers migrated to savings products offering higher returns, combined with
    a reduction in lending volumes and mortgage margin dilution.&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Net
    interest margin was 1 basis point lower than Q4 2023 reflecting mortgage margin dilution.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;181
    million were &pound;25 million, or 12.1%, lower than Q4 2023 and &pound;26 million, or 16.8%, higher than Q1 2023. <FONT STYLE="background-color: white">Other
    operating expenses were &pound;28 million, or 13.5%, lower than Q4 2023 reflecting the annual Bank Levy charge in Q4 2023, and a
    one-off additional VAT charge catch up along with lower strategic severance costs. Other operating expenses were &pound;28 million,
    or 18.4%, higher than Q1 2023 primarily reflecting the Bank of England Levy, an additional VAT charge and higher strategic spend
    to increase operational efficiency.</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">A
    net impairment release of &pound;6 million, compared with an &pound;8 million charge in Q1 2023, largely reflects good book releases
    and lower stage 3 charges.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Net
    loans to customers decreased by &pound;0.3 billion, or 1.6%, in Q1 2024 driven by higher mortgage redemptions, only partly offset
    by mortgage gross new lending of &pound;0.2 billion.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Customer
    deposits increased by &pound;0.1 billion, or 0.3%, compared with Q4 2023 with increases due to overall personal market growth offsetting
    tax outflows.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">AUMA increased by &pound;2.3
    billion in Q1 2024 to &pound;43.1 billion, primarily driven by &pound;1.9 billion positive market movements and &pound;0.4 billion
    AUM net inflows.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  </TABLE>
<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"></P>

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Business performance summary</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B><A NAME="a_006"></A>Commercial&nbsp;&amp; Institutional</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 64%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,246</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,269</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,261</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-interest
    income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>613</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">563</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,859</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,832</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,953</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,051)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,092)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,003)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;of which:
    Other operating expenses</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>(1,020)</I></B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(1,014)</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(959)</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(39)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(15)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">44</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>769</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">725</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">994</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.6%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.5%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.07%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.05%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.08%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl.
    litigation and conduct)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54.9%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55.3%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.1%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan
    impairment rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11bps</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(13)bps</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #42145f"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 64%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>135.3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131.5</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>192.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">193.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">200.5</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Funded
    assets&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>321.7</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">306.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">320.4</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>109.9</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">107.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">104.8</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.4in"><P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(1)</P>
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(2)</P></TD>
    <TD><P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white">Refer to the Non-IFRS financial measures
    appendix for details of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</P>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white">Refer to page&nbsp;40 of the Non-IFRS financial
    measures appendix for details.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">In Q1 2024, Commercial&nbsp;&amp; Institutional continued to support customers with an increase in lending of 2.6% and delivered a strong performance in income and operating profit supporting a return on equity of 14.6%.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">Commercial&nbsp;&amp; Institutional provided &pound;6.0 billion of climate and sustainable funding and financing in Q1 2024 to support customers investing in the transition to net zero. &nbsp;</P>



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Total
    income was &pound;27 million, or 1.5%, higher than Q4 2023 primarily reflecting higher markets income, partially offset by the impact
    of one day fewer. Total income was &pound;94 million, or 4.8%, lower than Q1 2023 primarily due to lower deposit returns reflecting
    lower volumes and continued deposit mix shift from non-interest bearing to interest bearing balances, partially offset by strong
    capital markets and lending growth in Corporate&nbsp;&amp; Institutions.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Net
    interest margin was 2 basis points higher than Q4 2023 reflecting higher deposit hedge returns and liquidity benefits, partially
    offset by lower deposit volumes.&nbsp;&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;1,051
    million were &pound;41 million, or 3.8%, lower than Q4 2023 and &pound;48 million, or 4.8%, higher than Q1 2023. <FONT STYLE="background-color: white">Other
    operating expenses were &pound;6 million, or 0.6%, higher than Q4 2023 reflecting increased staff costs partially offset by a reduction
    in bank levies. Other operating expenses were &pound;61 million, or 6.4%, higher than Q1 2023 reflecting the impact of inflationary
    increases in staff costs, continued investment in the business and the introduction of the Bank of England Levy.</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">An
    impairment charge of &pound;39 million in Q1 2024 remains at low levels with an increase in stage 3 inflows, partly offset by good
    book releases.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Net
    loans to customers increased by &pound;3.4 billion, or 2.6%, in Q1 2024 largely reflecting a strong performance within Corporate&nbsp;&amp;
    Institutions, partly offset by continued UK Government scheme repayments of &pound;0.6 billion.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Customer
    deposits decreased by &pound;1.2 billion, or 0.6%, in Q1 2024 largely reflecting reductions within Commercial Mid-market and Business
    Banking due to active management of our deposits and reduced liquidity in the market.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">RWAs increased by &pound;2.5
    billion, or 2.3%, in Q1 2024 primarily due to lending book growth and the annual update for operational risk.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Business performance summary</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B><A NAME="a_007"></A>Central items&nbsp;&amp; other</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #42145f"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 64%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing
    operations</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>83</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">127</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating
    expenses&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(47)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(175)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(134)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;of
    which: Other operating expenses</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>(61)</I></B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(172)</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(128)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;of
    which: Ulster Bank RoI direct expenses</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>(25)</I></B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(69)</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(100)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    releases/(losses)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating
    profit/(loss)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>39</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(51)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(103)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;of
    which: Ulster Bank RoI</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>(47)</I></B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(124)</I></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(159)</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #42145f"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers (amortised cost)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21.8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8.7</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.3</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.4in; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 14.2pt; text-indent: -14.2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes
    withdrawal-related direct program costs of &pound;8 million for the quarter ended 31 March&nbsp;2024 (31 December&nbsp;2023 - &pound;17
    million; 31 March&nbsp;2023 - &pound;49 million).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 14.2pt; text-indent: -14.2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Excludes
    &pound;0.3 billion of loans to customers held at fair value through profit or loss (31 December&nbsp;2023 - &pound;0.3 billion; 31
    March&nbsp;2023 - &pound;0.5 billion).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Total
    income was &pound;44 million lower than Q4 2023 primarily reflecting foreign exchange recycling gains in Q4 2023, not repeated in
    Q1 2024, partly offset by higher gains on interest and foreign exchange risk management derivatives not in accounting hedge relationships
    in Q1 2024. Total income was &pound;60 million higher than Q1 2023 primarily reflecting Business Growth Fund gains, gains on liquidity
    asset bond sales and a loss on surrender of leases in Q1 2023 partially offset by lower gains on interest and foreign exchange risk
    management derivatives not in accounting hedge relationships.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;47
    million were &pound;128 million, or 73.1%, lower than Q4 2023 and &pound;87 million, or 64.9%, lower than Q1 2023. <FONT STYLE="background-color: white">Other
    operating expenses were &pound;111 million, or 64.5%, lower than Q4 2023 primarily reflecting lower costs in relation to the withdrawal
    from our operations in the Republic of Ireland, and were &pound;67 million, or 52.3%, lower than Q1 2023.</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">Customer
    deposits increased by &pound;0.5 billion, or 4.1% in Q1 2024 primarily reflecting repo activity in Treasury. Ulster Bank RoI customer
    deposit balances were &pound;0.2 billion as at Q1 2024.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 9pt; text-align: justify"><FONT STYLE="font-family: Symbol; font-size: 8.5pt; color: rgb(65,20,95)">-</FONT></TD>
    <TD STYLE="padding-bottom: 9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers decreased
    &pound;4.8 billion to &pound;21.0 billion in Q1 2024 mainly due to reverse repo activity in Treasury.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<!-- Field: Split-Segment; Name: 2 -->
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="a_008"></A>Segment performance</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended 31 March&nbsp;2024</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 51%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Private</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Commercial&nbsp;&amp;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Central items</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total NatWest</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Institutional</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&amp; other</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Group</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EBF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,216</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>134</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,246</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,651</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>109</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>74</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>613</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>28</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>824</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,325</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>208</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,859</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>83</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,475</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(189)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(61)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(384)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,394)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2,028)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(578)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(119)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(636)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,333</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(767)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(180)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,020)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(61)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2,028)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(6)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(31)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(24)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(773)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(181)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,051)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(47)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2,052)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit before impairment losses/releases</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>552</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>27</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>808</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>36</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,423</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(63)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(39)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(93)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>489</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>769</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>39</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,330</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,325</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>208</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,864</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,414</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on tangible equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.2%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>16.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6.7%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.6%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>57.9%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>86.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54.9%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>58.4%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>226.4</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>388.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>697.5</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Funded assets (&pound;bn)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>226.4</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>321.7</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54.7</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>629.3</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>203.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>135.3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>378.0</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12bps</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(13)bps</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11bps</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10bps</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1.9)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1.5)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(3.6)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment provisions - stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1.2)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.8)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2.0)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>190.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>192.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>432.8</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>62.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>109.9</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>186.3</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>62.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>111.1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>188.1</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12.7</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33.3</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61.3</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Third party customer asset rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.79%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4.97%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6.81%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Third party customer funding rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2.05%)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(3.14%)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1.93%)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>220.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>241.9</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>521.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.22%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.06%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.07%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.05%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">nm = not meaningful, na = not applicable</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.4in">
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(1)</P>
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(2)</P></TD>
    <TD>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to the Non-IFRS financial measures appendix for details of the
    basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</P>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to page&nbsp;40 of the Non-IFRS financial measures appendix for
    details.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

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

<!-- Field: Page; Sequence: 13; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Segment performance</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter ended 31 December&nbsp;2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 51%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total NatWest</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Institutional</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&amp; other</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,254</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">138</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,269</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(23)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,638</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">115</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">71</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">563</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">150</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">899</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,369</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">209</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,832</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">127</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,537</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(211)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(74)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(392)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,364)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,041)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(436)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(134)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(622)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,192</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(647)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(208)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,014)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(172)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,041)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(78)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(113)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(681)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(206)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,092)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(175)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,154)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit/(loss) before impairment losses</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">688</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">740</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(48)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,383</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(103)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(15)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(126)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit/(loss)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">585</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">725</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(51)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,257</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,369</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">209</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,834</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">30</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,442</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on tangible equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.1%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.2%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.8%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">47.3%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">99.5%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55.3%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57.7%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">228.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">385.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692.7</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Funded assets (&pound;bn)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">228.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">306.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">613.8</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">205.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">381.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13bps</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.9)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.5)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3.6)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment provisions - stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.9)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2.0)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">188.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">193.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">431.4</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">107.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">108.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">185.0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Third party customer asset rate&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.50%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.88%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.65%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Third party customer funding rate&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.94%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3.02%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.87%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">245.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">524.7</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.23%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.07%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.05%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.99%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">nm = not meaningful, na = not applicable</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.4in">
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(1)</P>
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(2)</P></TD>
    <TD>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to the Non-IFRS financial measures appendix for details of the
    basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</P>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to page&nbsp;40 of the Non-IFRS financial measures appendix for
    details.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 14; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Segment performance</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter ended 31 March&nbsp;2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 51%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total NatWest</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Institutional</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&amp; other</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,492</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">229</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,261</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(80)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,902</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-interest income</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">112</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">67</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">103</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">974</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,604</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">296</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,953</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,876</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(211)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(60)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(360)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,301)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,932)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(482)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(92)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(599)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,173</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(693)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(152)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(959)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(128)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,932)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(44)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(56)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(696)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(155)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,003)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(134)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,988)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit/(loss) before impairment losses/releases</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">908</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">141</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">950</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(111)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,888</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Impairment (losses)/releases</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(114)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">44</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(70)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit/(loss)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">794</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">133</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">994</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(103)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,818</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,604</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">296</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,947</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(27)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,820</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on tangible equity</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.8%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">30.0%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28.5%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.5%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">43.2%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.4%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.1%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.8%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">227.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">399.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">41.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">695.6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Funded assets (&pound;bn)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">227.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">320.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">40.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">616.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">201.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">374.2</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(13)bps</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7bps</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.7)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.5)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3.4)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment provisions - stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.0)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.7)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.8)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">184.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">200.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">430.5</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55.6</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">104.8</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">178.1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">56.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.4</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">106.2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">180.9</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.5</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">32.9</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61.8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Third party customer asset rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.94%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.07%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.38%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Third party customer funding rate</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.83%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.15%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.87%)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">220.3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28.1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">246.0</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">522.4</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.75%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.31%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.08%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.25%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">nm = not meaningful, na = not applicable</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.4in">
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(1)</P>
    <P STYLE="text-align: center; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">(2)</P></TD>
    <TD>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to the Non-IFRS financial measures appendix for details of the
    basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</P>
    <P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to page&nbsp;40 of the Non-IFRS financial measures appendix for
    details.</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

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

<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145f"><A NAME="a_009"></A>Risk and capital management</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 89%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Page</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#a_010"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Credit risk</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15in"><A HREF="#q_002"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment
analysis &ndash; portfolio summary</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><A HREF="#q_002"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">17</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15in"><A HREF="#q_003"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment
analysis &ndash; loans</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><A HREF="#q_003"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15in"><A HREF="#q_004"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Movement
in ECL provision</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><A HREF="#q_004"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">18</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15in"><A HREF="#q_005"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">ECL
post model adjustments</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><A HREF="#q_005"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">19</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15in"><A HREF="#q_006"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Sector
analysis &ndash; portfolio summary</FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><A HREF="#q_006"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><A HREF="#a_011"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><B>Capital, liquidity and funding risk</B></FONT></A></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><A HREF="#a_011"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">25</FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 16; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B><A NAME="a_010"></A>Credit risk</B></P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="q_002"></A>Segment analysis &ndash; portfolio summary</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows gross loans and expected credit loss (ECL), by
segment and stage, within the scope of the IFRS 9 ECL framework.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 47%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Private</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Commercial&nbsp;&amp;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Central items</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 9%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: right; background-color: white; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Institutional</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&amp; other</B></FONT></TD>
    <TD STYLE="vertical-align: middle; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans - amortised cost and FVOCI&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(1,2)</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 1</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>178,692</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>17,288</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>123,704</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24,679</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>344,363</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>23,145</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>769</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13,661</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,577</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 3</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,291</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>284</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,188</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,763</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: individual</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>222</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>946</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,168</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: collective</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,291</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>62</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,242</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,595</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Subtotal excluding disposal group loans</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>205,128</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18,341</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>139,553</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24,681</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Disposal group loans</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24,681</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(3)</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 1</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>294</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>19</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>336</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>20</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>669</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>473</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>425</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>913</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 3</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,162</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>845</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,044</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: individual</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>302</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>339</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: collective</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,162</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>543</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,705</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Subtotal excluding ECL provisions on disposal group loans</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,929</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>69</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,606</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>22</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,626</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">ECL provisions on disposal group loans</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>22</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,626</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions coverage&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(4)</FONT></B></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 1 (%)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.16</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.11</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.27</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.08</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.19</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2 (%)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.04</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.69</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.11</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>100.00</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.43</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 3 (%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>35.31</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.03</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>38.62</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>35.47</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">ECL provisions coverage excluding disposal group loans</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.94</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.38</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.15</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.09</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.94</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">ECL provisions coverage on disposal group loans</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.09</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.94</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="width: 47%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December&nbsp;2023</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; width: 9%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; width: 9%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; width: 13%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; width: 13%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; width: 9%">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans - amortised cost and FVOCI&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(1,2)</FONT></B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">182,297</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,565</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">119,047</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29,677</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">348,586</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21,208</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">906</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15,771</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,891</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 3</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,133</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">258</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,162</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,563</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: individual</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>186</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>845</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,031</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: collective</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,133</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>72</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,317</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>10</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,532</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Subtotal excluding disposal group loans</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">206,638</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18,729</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">136,980</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29,693</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,040</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Disposal group loans</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">67</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">67</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29,760</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,107</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(3)</FONT></B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">306</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">356</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">27</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">709</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">502</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">447</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">976</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 3</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,097</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">34</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">819</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,960</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: individual</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>34</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>298</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>332</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which: collective</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,097</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>521</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>10</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,628</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Subtotal excluding ECL provisions on disposal group loans</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,905</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">74</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,622</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">44</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,645</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">ECL provisions on disposal group loans</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">80</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,681</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions coverage&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(4)</FONT></B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 1 (%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.17</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.11</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.30</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.09</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.20</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2 (%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.37</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.21</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.83</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.58</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 3 (%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.01</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.18</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.88</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100.00</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.23</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">ECL provisions coverage excluding disposal group loans</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.92</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.40</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.18</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.15</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.93</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">ECL provisions coverage on disposal group loans</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">53.73</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">53.73</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.27</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.94</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">nm = not meaningful</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.4in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">The table shows gross loans only and excludes amounts that were outside the scope of the ECL framework. Other financial assets within the scope of the IFRS 9 ECL framework were cash and balances at central banks totalling &pound;115.8 billion (31 December&nbsp;2023 &ndash; &pound;103.1 billion) and debt securities of &pound;49.0 billion (31 December&nbsp;2023 &ndash; &pound;50.1 billion).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Fair value through other comprehensive income (FVOCI). Includes loans to customers and banks.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">(3)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">Includes &pound;7 million (31 December&nbsp;2023 &ndash; &pound;9 million) related to assets classified as FVOCI and &pound;0.1 billion (31 December&nbsp;2023 &ndash; &pound;0.1 billion) related to off-balance sheet exposures.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">(4)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6.5pt">ECL provisions coverage is calculated as ECL provisions divided by loans &ndash; amortised cost and FVOCI. It is calculated on loans and total ECL provisions, including ECL for other (non-loan) assets and unutilised exposure. Some segments with a high proportion of debt securities or unutilised exposure may result in a not meaningful (nm) coverage ratio.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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"></P>

<!-- Field: Page; Sequence: 17; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Credit risk continued</B></P>


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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="q_003"></A>Segment analysis &ndash; loans</P>

<P STYLE="font: 3pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Retail Banking &ndash; </B>Loans to customers were lower
than Q4 2023, mainly due to a reduction in mortgage balances where higher redemptions were only partly offset by new mortgage lending.
Unsecured lending grew overall, with growth in credit cards offset by a decrease in personal advances. New lending and portfolio credit
quality was maintained with limited increases in arrears in line with expectations. Total ECL coverage increased slightly during the quarter,
reflective of Stage 3 ECL growth on unsecured portfolios, mainly due to ongoing subdued write-off and debt sale activity. There was a
modest reduction in good book coverage, reflective of continued stable portfolio performance alongside unsecured probability of default
modelling updates.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Commercial&nbsp;&amp; Institutional </B>&ndash; While overall
Wholesale exposure reduced in the quarter, there was Commercial&nbsp;&amp; Institutional growth within multiple sectors. Sector appetite
continues to be reviewed regularly, with particular focus on sector clusters and sub-sectors that are vulnerable to challenges in the
external environment or deemed to represent a heightened risk. There was a marginal reduction in total ECL coverage during the quarter,
due to a decrease in performing ECL, resulting from positive portfolio performance and the unwind of some PMAs. Stage 3 ECL increased
due to a small increase in defaults, although still lower than historic trends, and was partially offset by write-off activity. There
was a modest decrease in good book coverage, reflective of continued stable portfolio performance alongside PMA reductions.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="q_004"></A>Movement in ECL provision</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows the main ECL provision movements during the quarter.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 88%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>ECL provision</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 1 January&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,645</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Transfers to disposal groups and reclassifications</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(16)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes in risk metrics and exposure: Stage 1 and Stage 2</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(84)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes in risk metrics and exposure: Stage 3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>219</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Judgemental changes: changes in post model adjustments for Stage 1, Stage 2 and Stage 3</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(23)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Write-offs and other</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(115)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,626</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">ECL decreased marginally in Q1 2024, with increases in Stage
3 linked to ongoing subdued write-offs and debt sales in the Personal portfolios. This was offset by good book ECL reductions relating
to stable portfolio performance, reductions in post model adjustments and personal unsecured probability of default modelling updates.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For the Wholesale portfolios, there was an increase in Commercial&nbsp;&amp;
Institutional Stage 3 charges in the quarter, mainly due to a small number of individual charges, but charges were still lower than historic
trends.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 18; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Credit risk continued</B></P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="q_005"></A>ECL post model adjustments</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows ECL post model adjustments.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="text-align: right; white-space: nowrap; background-color: white; vertical-align: middle">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; vertical-align: middle; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Retail Banking</B></FONT></TD>
    <TD STYLE="vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Private</B></FONT></TD>
    <TD STYLE="vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Commercial&nbsp;&amp;</B></FONT></TD>
    <TD STYLE="vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Central items</B></FONT></TD>
    <TD STYLE="text-align: right; white-space: nowrap; background-color: #F2EAF9; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="text-align: right; white-space: nowrap; background-color: #F2EAF9; vertical-align: middle">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: right; white-space: nowrap; width: 37%; background-color: white; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: middle; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Mortgages</B></FONT></TD>
    <TD STYLE="vertical-align: middle; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: middle; width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="vertical-align: middle; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Institutional</B></FONT></TD>
    <TD STYLE="vertical-align: middle; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&amp; other</B></FONT></TD>
    <TD STYLE="text-align: right; white-space: nowrap; width: 1%; background-color: #F2EAF9; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: middle; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left; white-space: nowrap; background-color: white; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: middle; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; background-color: #F2EAF9; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; vertical-align: middle; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred model calibrations</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>20</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Economic uncertainty</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>120</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>45</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>233</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>411</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other adjustments</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>120</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>45</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>260</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>439</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which:</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 1</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>72</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>16</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>108</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>204</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 2</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>36</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>29</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>150</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>221</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 3&nbsp;</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>12</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14</I></B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December&nbsp;2023</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred model calibrations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Economic uncertainty</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">118</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">256</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">429</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other adjustments</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">32</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">119</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">287</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">485</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of which:</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 1</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>75</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>115</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>10</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>220</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 2</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>31</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>25</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>167</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>240</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 3&nbsp;</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>25</I></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Retail Banking</B> &ndash; The post model adjustments for
economic uncertainty increased slightly to &pound;165 million at 31 March&nbsp;2024, from &pound;157 million at 31 December&nbsp;2023.
Sustained inflationary pressure alongside high interest rates continues to put pressure on consumer affordability risks. This economic
context, coupled with modelled ECL reductions, prompted a modest uplift in the cost of living post model adjustment (up from &pound;144
million to &pound;153 million) to maintain adequate provision levels on this higher risk segment of the portfolio. The cost of living
post model adjustment captures the risk on segments in the Retail Banking portfolio that are more susceptible to the effects of cost of
living rises. It focuses on key affordability lenses, including customers with lower income in fuel poverty, over-indebted borrowers and
customers vulnerable to a potential mortgage rate shock.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Commercial&nbsp;&amp; Institutional </B>&ndash; The post
model adjustments for economic uncertainty decreased to &pound;233 million at 31 March&nbsp;2024, from &pound;256 million at 31 December&nbsp;2023.
It still includes an overlay of &pound;39 million (&pound;50 million at 31 December&nbsp;2023) to cover the residual risks from COVID-19,
including the risks surrounding associated debt to customers that have utilised government support schemes. The inflation, supply chain
and liquidity post model adjustment was maintained for lending prior to 1 January&nbsp;2024, with a sector-level downgrade being applied
to the sectors that were considered most at risk from the ongoing pressures from inflation being higher for longer, supply chain challenges
and broader concerns around reducing cash reserves across many sectors. The &pound;16 million reduction was a result of a mechanistic
refresh reflecting portfolio changes. The impact of the sector-level downgrades was a post model adjustment decrease to &pound;193 million
at 31 March&nbsp;2024 from &pound;206 million at 31 December&nbsp;2023.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The &pound;20 million judgemental overlay for deferred model
calibrations relates to refinance risk with the existing modelling approach not fully capturing the risk on deteriorated exposures.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Central items&nbsp;&amp; other</B></FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">&ndash;</FONT>
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The &pound;23 million post model adjustment in other adjustments
was removed in the quarter, reflecting the withdrawal from the Republic of Ireland.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 19; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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;</P>

<!-- Field: Split-Segment; Name: 3 -->
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Credit risk continued</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="q_006"></A>Sector analysis &ndash; portfolio summary</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows financial assets and off-balance sheet exposures
gross of ECL and related ECL provisions, impairment and past due by sector, asset quality and geographical region.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Wholesale</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 28%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Credit</B></FONT></TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Mortgages (1)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>cards</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Property</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>FI</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Sovereign</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans by geography</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>206,146</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,033</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,720</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>221,899</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31,993</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>77,521</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55,058</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,232</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>165,804</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- UK</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>206,146</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6,033</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9,720</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>221,899</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>31,448</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>64,611</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37,221</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>549</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>133,829</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>355,728</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- RoI</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>10</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>953</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>217</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,180</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,180</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Other Europe</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>415</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,017</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8,462</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>365</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14,259</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14,259</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- RoW</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>120</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6,940</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9,158</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>318</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>16,536</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>16,536</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;Loans by asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>206,146</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,033</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,720</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>221,899</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31,993</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>77,521</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55,058</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,232</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>165,804</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ1-AQ4</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>114,923</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>113</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>862</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>115,898</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>15,993</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>27,032</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>51,413</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>948</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>95,386</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>211,284</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ5-AQ8</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>87,895</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,704</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7,646</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>101,245</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>15,295</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>48,621</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,557</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>129</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>67,602</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>168,847</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ9&nbsp;</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>947</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>69</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>183</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,199</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>74</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>331</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>72</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>133</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>610</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,809</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ10</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,381</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>147</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,029</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,557</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>631</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,537</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>16</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>22</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,206</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,763</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans by stage&nbsp;</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>206,146</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,033</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,720</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>221,899</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31,993</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>77,521</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55,058</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,232</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>165,804</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 1</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>183,705</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,916</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7,284</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>194,905</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>28,608</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>65,458</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>54,312</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,080</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>149,458</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>344,363</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 2</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>20,060</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,970</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,407</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>23,437</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,753</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>10,527</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>730</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>130</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14,140</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37,577</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 3</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,381</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>147</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,029</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,557</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>632</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,536</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>16</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>22</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,206</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,763</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Of which: individual</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>137</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>21</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>158</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>283</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>700</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>22</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,010</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,168</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Of which: collective</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,244</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>147</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,008</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,399</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>349</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>836</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>11</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,196</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,595</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans - past due analysis&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(3)</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>206,146</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,033</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,720</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>221,899</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31,993</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>77,521</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55,058</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,232</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>165,804</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Not past due</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>203,223</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,863</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8,647</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>217,733</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>31,222</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>74,304</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>53,938</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,210</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>160,674</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>378,407</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 1-30 days</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,185</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>41</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>82</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,308</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>337</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,289</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,111</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,737</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,045</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 31-90 days</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>599</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>42</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>113</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>754</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>151</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>226</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>22</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>401</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,155</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 90-180 days</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>388</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>34</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>107</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>529</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>61</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>125</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>188</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>717</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due &gt;180 days</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>751</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>53</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>771</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,575</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>222</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>577</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>804</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,379</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans - Stage 2</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>20,060</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,970</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,407</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>23,437</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,753</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,527</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>730</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>130</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14,140</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,577</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Not past due</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>18,994</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,916</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,292</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>22,202</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,534</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9,858</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>724</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>130</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>13,246</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>35,448</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 1-30 days</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>787</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>26</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>44</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>857</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>100</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>518</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>622</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,479</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 31-90 days</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>279</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>28</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>71</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>378</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>119</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>151</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>272</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>650</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Weighted average life</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp; - ECL measurement (years)</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Weighted average 12 months PDs</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - IFRS 9 (%)</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.51</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3.38</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5.10</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.76</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.32</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.54</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.19</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.25</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.04</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.88</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Basel (%)</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.70</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3.47</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3.35</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.88</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.91</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.26</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.19</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5.60</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.86</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.87</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions by geography</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>445</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>357</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,171</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,973</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>399</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,172</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>65</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,653</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,626</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - UK</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>445</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>357</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,171</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,973</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>388</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,018</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>13</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,456</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,429</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - RoI</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Other Europe</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>104</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>117</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>117</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - RoW</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>48</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>18</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>77</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>77</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions by stage&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>445</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>357</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,171</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,973</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>399</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,172</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>65</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,653</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,626</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 1</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>87</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>71</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>142</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>300</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>95</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>220</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>40</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>369</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>669</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 2</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>70</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>188</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>216</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>474</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>78</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>341</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>439</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>913</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 3</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>288</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>98</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>813</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,199</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>226</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>611</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>845</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,044</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Of which: individual</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>21</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>15</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>36</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>81</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>220</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>303</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>339</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Of which: collective</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>267</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>98</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>798</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,163</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>145</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>391</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>542</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,705</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions coverage (%)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.22</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5.92</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12.05</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.89</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.25</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.51</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.12</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.38</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.00</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.94</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 1 (%)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.05</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.81</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.95</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.15</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.33</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.34</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.07</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1.30</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.25</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.19</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 2 (%)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.35</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9.54</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>15.35</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2.02</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2.83</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3.24</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2.60</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>0.77</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3.10</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2.43</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 3 (%)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>12.10</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>66.67</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>79.01</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>33.71</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>35.76</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>39.78</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37.50</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9.09</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>38.30</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>35.47</I></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For the notes to this table refer to page&nbsp;23.</P>

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




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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

<!-- Field: Page; Sequence: 20; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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


<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Credit risk continued</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Sector analysis &ndash; portfolio summary continued</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Wholesale</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 28%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 5%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Credit</B></FONT></TD>
    <TD STYLE="width: 7%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 5%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Mortgages (1)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>cards</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Property</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>FI</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Sovereign</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans by residual maturity</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>206,146</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,033</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,720</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>221,899</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31,993</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>77,521</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55,058</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,232</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>165,804</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- &lt;1 year&nbsp;</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,291</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,353</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,257</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9,901</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,765</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>25,205</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>40,698</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>333</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>72,001</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>81,902</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- 1-5 year</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9,541</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,680</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,459</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>17,680</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>18,063</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>32,297</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>12,105</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>551</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>63,016</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>80,696</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- &gt;5&lt; 15 year</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>45,751</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>996</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>46,747</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,605</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14,744</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,221</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>311</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>22,881</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>69,628</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- &gt;15 year</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>147,563</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>147,571</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,560</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,275</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>34</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7,906</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>155,477</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Other financial assets by</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;&nbsp;asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,912</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>27,208</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>134,631</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>164,752</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>164,752</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ1-AQ4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,910</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>26,463</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>134,631</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>164,005</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>164,005</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ5-AQ8</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>745</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>747</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>747</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Off-balance sheet</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,293</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18,043</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,355</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>36,691</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14,215</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60,200</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21,039</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>259</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>95,713</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>132,404</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Loan commitments</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>10,293</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>18,043</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8,311</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>36,647</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>13,858</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>57,410</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19,234</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>259</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>90,761</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>127,408</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Financial guarantees</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>44</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>44</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>357</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,790</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,805</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,952</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,996</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Off-balance sheet by</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;&nbsp;asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,293</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18,043</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,355</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>36,691</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14,215</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60,200</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21,039</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>259</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>95,713</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>132,404</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ1-AQ4</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9,597</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>449</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7,119</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>17,165</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>10,909</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>36,856</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19,413</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>166</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>67,344</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>84,509</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ5-AQ8</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>679</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>17,278</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,201</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19,158</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,284</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>23,037</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,588</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>30</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>27,939</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>47,097</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ9&nbsp;</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>63</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>122</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>136</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ10</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>16</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>310</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>28</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>354</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>288</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>308</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>662</I></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For the notes to this table refer to page&nbsp;23.</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"></P>

<!-- Field: Page; Sequence: 21; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->21<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Credit risk continued</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Sector analysis &ndash; portfolio summary continued</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Personal</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Wholesale</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 28%">&nbsp;</TD>
    <TD STYLE="width: 11%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Credit</FONT></TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Mortgages (1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">cards</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">FI</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Sovereign</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December&nbsp;2023</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans by geography</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223,774</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31,207</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77,339</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,040</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- UK</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>208,275</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,893</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,592</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>223,760</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>30,703</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>65,033</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>39,906</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,016</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>137,658</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>361,418</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- RoI</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>888</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>279</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,176</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,190</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Other Europe</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>375</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,096</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,865</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>399</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13,735</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13,735</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- RoW</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>120</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6,322</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,037</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>218</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,697</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,697</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;Loans by asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223,774</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31,207</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77,339</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,040</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ1-AQ4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>118,266</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>124</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>914</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>119,304</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,366</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>26,851</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>53,367</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,488</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>98,072</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>217,376</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ5-AQ8</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>86,868</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,577</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,552</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>99,997</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,145</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>48,673</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,686</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>123</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>67,627</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>167,624</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ9&nbsp;</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>860</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>63</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>150</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,073</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>75</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>311</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>18</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>404</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,477</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ10</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,281</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>140</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>979</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,400</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>621</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,504</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,163</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,563</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans by stage</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223,774</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31,207</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77,339</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,040</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 1</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>188,140</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,742</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6,983</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>198,865</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>27,316</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>63,690</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>56,105</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,610</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>149,721</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>348,586</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 2</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,854</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,022</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,633</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>21,509</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,270</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12,145</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>966</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,382</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>37,891</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 3</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,281</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>140</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>979</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,400</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>621</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,504</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,163</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,563</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Of which: individual</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>122</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>142</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>240</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>625</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>889</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,031</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Of which: collective</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,159</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>140</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>959</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,258</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>381</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>879</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,274</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,532</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans - past due analysis&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(3)</FONT></B></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223,774</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31,207</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77,339</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,040</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Not past due</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>205,405</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,743</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8,578</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>219,726</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>30,264</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>74,052</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>56,735</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,633</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>163,684</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>383,410</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 1-30 days</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,178</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>41</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>71</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,290</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>491</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,222</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>332</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,045</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,335</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 31-90 days</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>518</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>38</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>112</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>668</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>179</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>437</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>628</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,296</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 90-180 days</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>445</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>32</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>103</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>580</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>42</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>71</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>115</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>695</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due &gt;180 days</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>729</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>50</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>731</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,510</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>231</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>557</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>794</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,304</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans - Stage 2</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,854</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,022</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,633</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21,509</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,270</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12,145</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">966</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16,382</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,891</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Not past due</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,803</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,971</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,529</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20,303</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,071</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11,287</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>932</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,291</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35,594</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 1-30 days</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>765</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>27</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>40</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>832</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>100</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>516</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>24</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>640</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,472</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Past due 31-90 days</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>286</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>24</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>64</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>374</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>99</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>342</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>10</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>451</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>825</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Weighted average life</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp; - ECL measurement (years)</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Weighted average 12 months PDs</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- IFRS 9 (%)</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.50</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3.45</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5.29</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.75</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1.45</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1.59</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.19</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.37</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1.07</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.89</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Basel (%)</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.67</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3.37</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3.15</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.84</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.94</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1.25</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.17</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.37</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.81</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.83</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions by geography</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">420</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">376</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,168</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,964</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">398</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,201</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,681</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,645</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- UK</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>420</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>365</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,163</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,948</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>384</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>999</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>38</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,434</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,382</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- RoI</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>23</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Other Europe</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>146</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>165</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>165</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- RoW</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>50</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>75</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>75</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions by stage&nbsp;</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">420</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">376</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,168</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,964</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">398</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,201</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,681</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,645</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 1</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>88</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>76</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>152</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>316</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>102</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>234</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>44</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>393</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>709</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 2</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>61</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>207</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>238</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>506</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>98</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>356</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>470</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>976</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 3</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>271</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>93</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>778</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,142</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>198</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>611</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>818</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,960</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Of which: individual</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>26</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>60</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>242</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>306</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>332</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Of which: collective</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>259</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>93</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>764</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,116</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>138</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>369</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>512</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,628</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>ECL provisions coverage (%)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.20</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.37</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.17</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.88</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.28</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.55</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.12</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.61</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.00</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.93</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 1 (%)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.05</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2.03</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2.18</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.16</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.37</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.37</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.08</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.50</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.26</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.20</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 2 (%)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.34</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>10.24</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14.57</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2.35</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3.00</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2.93</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1.55</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>100.00</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2.87</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2.58</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- Stage 3 (%)</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11.88</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>66.43</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>79.47</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>33.59</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>31.88</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>40.63</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>43.75</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9.09</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>37.82</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35.23</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For the notes to this table refer to the following page.</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"></P>

<!-- Field: Page; Sequence: 22; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Credit risk continued</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Sector analysis &ndash; portfolio summary continued</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="12">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Personal</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Wholesale</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 28%">&nbsp;</TD>
    <TD STYLE="width: 11%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Credit</FONT></TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 5%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Mortgages (1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">cards</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">FI</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Sovereign</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December&nbsp;2023</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans by residual maturity</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223,774</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31,207</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77,339</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,040</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- &lt;1 year&nbsp;</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,375</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,398</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,169</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,942</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,696</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>25,312</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>43,497</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>489</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>74,994</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>84,936</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- 1-5 year</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,508</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,506</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,431</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,445</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,216</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>32,573</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11,616</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,872</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>63,277</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>80,722</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- &gt;5&lt; 15 year</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>46,453</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>993</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>47,446</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,701</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14,167</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,939</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>199</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22,006</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>69,452</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;- &gt;15 year</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>148,939</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>148,941</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,594</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,287</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>73</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,989</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>156,930</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Other financial assets by</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;&nbsp;asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,689</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26,816</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">123,683</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">153,189</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">153,189</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ1-AQ4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,689</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>26,084</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>123,683</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>152,457</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>152,457</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ5-AQ8</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>732</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>732</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>732</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Off-balance sheet</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,843</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,284</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,462</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35,589</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14,205</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59,716</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22,221</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">227</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">96,369</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131,958</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Loan commitments</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,843</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,284</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8,417</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35,544</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13,861</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>57,081</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20,765</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>227</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>91,934</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>127,478</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Financial guarantees</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>45</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>45</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>344</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,635</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,456</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,435</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,480</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Off-balance sheet by</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;&nbsp;asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,843</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,284</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,462</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35,589</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14,205</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59,716</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22,221</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">227</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">96,369</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131,958</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ1-AQ4</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,099</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>448</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,271</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,818</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>10,916</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>36,380</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20,644</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>165</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>68,105</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>84,923</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ5-AQ8</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>721</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,518</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,162</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>18,401</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,266</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>23,030</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,574</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>45</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>27,915</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>46,316</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ9&nbsp;</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17</I></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>32</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ10</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>312</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>25</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>353</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>294</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>334</I></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>687</I></FONT></TD></TR>
  </TABLE>
<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;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Includes a portion of Private Banking lending secured against residential real estate, in line with ECL calculation methodology. Private
Banking and RBS International mortgages are reported in UK, reflecting the country of lending origination and includes crown dependencies.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>AQ bandings are based on Basel PDs and mapping is as follows:</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 42%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Internal asset quality band</FONT></TD>
    <TD STYLE="width: 33%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Probability of default range</FONT></TD>
    <TD STYLE="width: 25%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Indicative S&amp;P rating</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ1</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0% - 0.034%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AAA to AA</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ2</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.034% - 0.048%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AA to AA-</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ3</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.048% - 0.095%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">A+ to A</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ4</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.095% - 0.381%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BBB+ to BBB-</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ5</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.381% - 1.076%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BB+ to BB</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ6</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">1.076% - 2.153%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BB- to B+</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ7</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2.153% - 6.089%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">B+ to B</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ8</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">6.089% - 17.222%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">B- to CCC+</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ9</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">17.222% - 100%</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">CCC to C</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ10</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">100%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">D</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&pound;0.3 billion (31 December&nbsp;2023 &ndash; &pound;0.3 billion)
of AQ10 Personal balances primarily relate to loan commitments, the drawdown of which is effectively prohibited.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>30 DPD &ndash; 30 days past due, the mandatory 30 days past due backstop as prescribed by the IFRS 9 guidance for a SICR.</TD></TR></TABLE>

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




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

<!-- Field: Page; Sequence: 23; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->23<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Credit risk continued</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Sector analysis &ndash; portfolio summary continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows ECL by stage, for the Personal portfolio and selected
sectors of the Wholesale portfolio including those that contain an element of exposure classified as heightened climate-related risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Off-balance sheet</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Loans - amortised cost and FVOCI</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Loan</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Contingent</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>ECL provisions&nbsp;</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Stage 1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Stage 2</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Stage 3</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>commitments</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>liabilities</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Stage 1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Stage 2</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Stage 3</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Personal</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>194,905</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>23,437</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,557</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>221,899</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>36,647</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>44</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>300</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>474</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,199</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,973</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;Mortgages</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>183,705</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>20,060</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,381</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>206,146</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,293</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>87</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>70</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>288</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>445</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;Credit cards</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,916</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,970</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>147</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,033</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18,043</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>71</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>188</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>98</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>357</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;Other personal</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7,284</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,407</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,029</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,720</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,311</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>44</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>142</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>216</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>813</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,171</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Wholesale</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>149,458</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14,140</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,206</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>165,804</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>90,761</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,952</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>369</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>439</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>845</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,653</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Property</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>28,608</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,753</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>632</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31,993</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13,858</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>357</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>95</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>78</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>226</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>399</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Financial institutions</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54,312</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>730</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>16</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>55,058</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>19,234</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,805</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>40</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>19</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>65</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Sovereign</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,080</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>130</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>22</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,232</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>259</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>65,458</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,527</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,536</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>77,521</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>57,410</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,790</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>220</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>341</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>611</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,172</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;Of which:</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agriculture</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,934</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>918</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>107</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,959</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>957</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>21</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>17</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>35</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>36</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>88</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Airlines and aerospace</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,073</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>359</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,435</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,056</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>162</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>11</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Automotive</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7,314</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>690</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>52</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8,056</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,187</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>154</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>18</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>56</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Building materials</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,417</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>244</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>19</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,680</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,391</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>67</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>21</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chemicals</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>293</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>124</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>421</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>765</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>13</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Industrials</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,342</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>473</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>70</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,885</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,843</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>141</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>16</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>30</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>55</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Land transport and logistics</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,515</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>452</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>76</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,043</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2,980</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>195</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>11</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>21</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>46</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Leisure</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,053</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,880</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>291</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7,224</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,873</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>122</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>31</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>70</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>99</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>200</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mining and metals</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>263</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>37</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>305</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>531</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Oil and gas</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>697</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>52</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>55</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>804</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,909</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>240</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>46</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>51</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Power utilities</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,457</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>323</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>79</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,859</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8,054</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>593</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>14</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>8</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>29</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>51</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retail</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>5,969</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,152</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>211</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7,332</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4,314</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>475</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>20</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>32</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>80</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>132</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shipping</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>198</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>34</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>233</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>60</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>29</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Water and waste</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,562</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>160</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>48</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>3,770</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>1,879</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>135</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>7</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>15</I></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>344,363</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,577</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,763</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>387,703</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>127,408</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,996</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>669</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>913</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,044</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,626</B></FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December&nbsp;2023</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Personal</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">198,865</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21,509</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,400</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223,774</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35,544</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">316</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">506</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,142</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,964</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;Mortgages</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">188,140</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,854</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,281</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,843</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">88</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">271</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">420</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Credit cards</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,742</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,022</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">140</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,284</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">76</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">207</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">93</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">376</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Other personal</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,983</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,633</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">979</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,417</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">152</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">238</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">778</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,168</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Wholesale</B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">149,721</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16,382</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,163</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">91,934</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,435</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">393</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">470</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">818</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,681</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Property</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">27,316</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,270</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">621</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31,207</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,861</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">344</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">102</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">98</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">198</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">398</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Financial institutions</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">56,105</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">966</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20,765</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,456</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">44</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Sovereign</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,610</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">227</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">63,690</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12,145</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,504</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77,339</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,081</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,635</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">234</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">356</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">611</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,201</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;Of which:</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agriculture</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,851</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,011</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>90</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,952</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>950</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>21</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>19</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>34</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>88</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Airlines and aerospace</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,525</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>454</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,982</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,788</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>178</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Automotive</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,223</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,008</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>76</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8,307</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,844</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>103</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>18</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>18</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>26</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>62</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Building materials</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,204</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>282</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>72</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,558</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,475</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>72</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>23</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chemicals</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>354</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>62</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>420</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>785</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Industrials</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,269</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>543</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>70</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,882</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,896</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>148</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>10</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>18</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>23</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>51</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Land transport and logistics</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,231</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>578</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>61</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,870</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,025</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>184</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>18</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>43</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Leisure</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,394</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,245</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>288</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6,927</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,887</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>145</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>31</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>74</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>91</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>196</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mining and metals</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>241</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>32</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>277</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>545</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Oil and gas</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>915</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>125</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>27</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,067</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,959</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>237</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>29</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>34</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Power utilities</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,604</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>418</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>40</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6,062</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8,257</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>554</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>24</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>50</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retail</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,846</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,318</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>224</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,388</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,717</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>429</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>23</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>118</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>176</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shipping</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>207</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>245</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>71</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>31</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Water and waste</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,536</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>173</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,722</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,904</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>84</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">348,586</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,891</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,563</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">392,040</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">127,478</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,480</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">709</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">976</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,960</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,645</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></TD></TR>
</TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">As at 31 March&nbsp;2024, &pound;138.1 billion, 67.0%, of the total residential mortgages portfolio had Energy Performance Certificate (EPC) data available (31 December&nbsp;2023 &ndash; &pound;140.8 billion, 67.6%). Of which, 44.6% were rated as EPC A to C (31 December&nbsp;2023 &ndash; 44.1%).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes transactions, such as securitisations, where the underlying assets may be in other sectors. </FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center; width: 0.3in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    </TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 24; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->24<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B><A NAME="a_011"></A>Capital, liquidity and funding risk</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Introduction</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group takes a comprehensive approach to the management of capital,
liquidity and funding, underpinned by frameworks, risk appetite and policies, to manage and mitigate capital, liquidity and funding risks.
The framework ensures the tools and capability are in place to facilitate the management and mitigation of risk ensuring that NatWest
Group operates within its regulatory requirements and risk appetite.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Key developments since 31 December&nbsp;2023</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt 5.4pt 8pt; width: 50%; background-color: #F2EAF9">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>CET1 ratio</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 22pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>13.5%</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(as at 31 December&nbsp;2023 &ndash; 13.4%)</P></TD>
    <TD STYLE="padding: 4pt 5.4pt 8pt; width: 2%; background-color: white">&nbsp;</TD>
    <TD STYLE="padding: 4pt 5.4pt 8pt; width: 48%; background-color: #F2EAF9">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Total RWAs</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 22pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&pound;186.3bn</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(as at 31 December&nbsp;2023 &ndash; &pound;183.0bn)</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt 5.4pt 5pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The CET1 ratio increased by 10 basis points to 13.5%. The increase in
    the CET1 ratio was due to a &pound;0.6 billion increase in CET1 capital, partially offset by a &pound;3.3 billion increase in RWAs.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The CET1 capital increase was mainly driven by an attributable profit
    for ordinary shareholders of &pound;0.9 billion partially offset by a foreseeable ordinary dividend accrual of &pound;0.4 billion.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD>
    <TD STYLE="padding: 2pt 5.4pt 5pt">&nbsp;</TD>
    <TD STYLE="padding: 2pt 5.4pt 5pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Total RWAs increased by &pound;3.3 billion to &pound;186.3 billion mainly
    reflecting:</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -17.85pt">&ndash;<FONT STYLE="font-family: Symbol"></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;an
increase in credit risk RWAs of &pound;1.7 billion, primarily due to drawdowns and new facilities within Commercial&nbsp;&amp; Institutional
in addition to an increase in unsecured lending within Retail Banking. There was also an increase in IRB Temporary Model Adjustment related
to mortgages within Retail Banking.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -17.85pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -17.85pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ndash;</FONT><FONT STYLE="font-family: Symbol"></FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">an
    increase in operational risk RWAs of &pound;1.6 billion following the annual recalculation and higher income compared to 2020.</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -17.85pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -17.85pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt 5.4pt 8pt; background-color: #F2EAF9">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>UK leverage ratio</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 22pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>5.1%</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(as at 31 December&nbsp;2023 &ndash; 5.0%)</P></TD>
    <TD STYLE="padding: 4pt 5.4pt 8pt">&nbsp;</TD>
    <TD STYLE="padding: 4pt 5.4pt 8pt; background-color: #F2EAF9">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>LCR</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>&nbsp;</B></P>
    <P STYLE="font: 22pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>151%</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(as at 31 December&nbsp;2023 &ndash; 144%)</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 2pt 5.4pt 5pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The leverage ratio increased by 10 basis points to 5.1% mainly due to
    a &pound;0.6 billion increase in Tier 1 capital while the leverage exposure remained static during the period.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD>
    <TD STYLE="padding: 2pt 5.4pt 5pt">&nbsp;</TD>
    <TD STYLE="padding: 2pt 5.4pt 5pt">
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Liquidity Coverage Ratio (LCR) increased to 151%, during the quarter
    driven by increased issuance and customer deposits coupled with replacement of the Cash Ratio Deposit scheme with a Bank of England Levy.</P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>




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

<!-- Field: Page; Sequence: 25; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Capital, liquidity and funding risk continued</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Maximum Distributable Amount (MDA) and Minimum Capital
Requirements</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group is subject to minimum capital requirements relative to
RWAs. The table below summarises the minimum capital requirements (the sum of Pillar 1 and Pillar 2A), and the additional capital buffers
which are held in excess of the regulatory minimum requirements and are usable in stress.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Where the CET1 ratio falls below the sum of the minimum capital and the
combined buffer requirement, there is a subsequent automatic restriction on the amount available to service discretionary payments (including
AT1 coupons), known as the MDA. Note that different requirements apply to individual legal entities or sub-groups and that the table shown
does not reflect any incremental PRA buffer requirements, which are not disclosable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The current capital position provides significant headroom above both
our minimum requirements and our MDA threshold requirements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; width: 61%; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Type</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; width: 13%; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>CET1</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; width: 13%; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total Tier 1</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; width: 13%; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total capital</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Pillar 1 requirements</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4.5%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6.0%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8.0%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Pillar 2A</FONT><FONT STYLE="font-size: 8pt">&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">requirements</FONT></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.8%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.4%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.2%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Minimum Capital Requirements</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6.3%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8.4%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.2%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Capital conservation buffer</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.5%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.5%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.5%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Countercyclical capital buffer&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.7%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.7%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.7%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>MDA threshold</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">&nbsp;(2)</FONT></B></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10.5%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>n/a</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>n/a</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Overall capital requirement</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10.5%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12.6%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15.4%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Capital ratios at 31 March&nbsp;2024</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.5%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15.5%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18.8%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Headroom</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(3,4)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.0%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.9%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.4%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center; width: 0.3in"><FONT STYLE="font-size: 6pt">(1)</FONT></TD>
<TD><FONT STYLE="font-size: 6pt">The UK countercyclical capital buffer (CCyB) rate is currently being maintained at 2%. The rate may vary in either direction in the future, depending on how risks develop. Foreign exposures may be subject to different CCyB rates depending on the rates set in those jurisdictions.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-size: 6pt">(2)</FONT></TD>
<TD><FONT STYLE="font-size: 6pt">Pillar 2A requirements for NatWest Group are set as a variable amount with the exception of some fixed add-ons.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-size: 6pt">(3)</FONT></TD>
<TD><FONT STYLE="font-size: 6pt">The headroom does not reflect excess distributable capital and may vary over time.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: center"><FONT STYLE="font-size: 6pt">(4)</FONT></TD>
<TD><FONT STYLE="font-size: 6pt">Headroom as at 31 December&nbsp;2023 was CET1 2.9%, Total Tier 1 2.9% and Total Capital 3.0%.</FONT></TD></TR>
</TABLE>

<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;</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Leverage ratios</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below summarises the minimum ratios of capital to leverage
exposure under the binding PRA UK leverage framework applicable for NatWest Group.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; width: 74%; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Type</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; width: 13%; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>CET1</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; width: 13%; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total Tier 1</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Minimum ratio</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.44%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.25%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Countercyclical leverage ratio buffer&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.6%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.6%</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.04%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.85%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in">(1)</TD><TD>The countercyclical leverage ratio buffer is set at 35% of NatWest Group&rsquo;s CCyB.</TD></TR></TABLE>

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




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

<!-- Field: Page; Sequence: 26; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->26<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Capital, liquidity and funding risk continued</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital and leverage ratios</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The tables below set out the key capital and leverage ratios. NatWest
Group is subject to the requirements set out in the UK CRR therefore capital and leverage ratios are being presented under these frameworks
on a transitional basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 76%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Capital adequacy ratios&nbsp;</B></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">(1)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>%</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">CET1</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.5</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.4</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tier 1</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15.5</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.5</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18.8</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.4</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Capital</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tangible equity</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26,360</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25,653</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Prudential valuation adjustment</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(249)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(279)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred tax assets</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(919)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(979)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>16</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(10)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Pension fund assets</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(160)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(143)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash flow hedging reserve</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,944</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,899</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreseeable ordinary dividends</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,380)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,013)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment for trust assets</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(365)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(365)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreseeable charges</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(253)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(525)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustments under IFRS 9 transitional arrangements</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>74</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">202</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total regulatory adjustments</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,292)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,213)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">CET1 capital</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>25,068</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24,440</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Additional AT1 capital</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,875</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,875</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tier 1 capital</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>28,943</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28,315</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">End-point Tier 2 capital&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,037</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,317</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tier 2 capital</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,037</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,317</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total regulatory capital</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>34,980</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33,632</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Risk-weighted assets</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Credit risk</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>149,313</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">147,598</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Counterparty credit risk</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7,709</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,830</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Market risk</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7,452</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,363</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operational risk</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21,821</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20,198</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total RWAs</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>186,295</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">182,989</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.3in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Based on current PRA rules, includes the transitional arrangements
for the capital impact of IFRS 9 expected credit loss (ECL) accounting. The impact of the IFRS 9 transitional adjustments at 31 March&nbsp;2024
was &pound;0.1 billion for CET1 capital, &pound;24 million for total capital and &pound;3 million RWAs (31 December&nbsp;2023 - &pound;0.2
billion CET1 capital, &pound;54 million total capital and &pound;17 million RWAs). Excluding this adjustment, the CET1 ratio would be
13.4% (31 December&nbsp;2023 &ndash; 13.2%). Tier 1 capital ratio would be 15.5% (31 December&nbsp;2023 &ndash; 15.4%) and the Total
capital ratio would be 18.8% (31 December&nbsp;2023 &ndash; 18.4%). </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Prudent deduction in respect of agreement with the pension fund.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 27; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->27<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<!-- Field: Split-Segment; Name: 4 -->
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Capital, liquidity and funding risk continued</B></P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital and leverage ratios continued</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-bottom: 1pt; width: 76%; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Leverage</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash and balances at central banks</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;116,916&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">104,262</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;50,277&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45,551</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;68,133&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">78,904</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Financial assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;434,344&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">439,449</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;26,974&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,605</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets of disposal groups</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;808&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">902</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total assets</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>697,452&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692,673</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; padding-left: 0.125in; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- netting and variation margin</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(67,625)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(79,299)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; padding-left: 0.125in; background-color: white"><FONT STYLE="font-size: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">-
potential future exposures</FONT></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>17,064</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,212</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Securities financing transactions gross up</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,645</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,868</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other off balance sheet items</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>51,260</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50,961</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Regulatory deductions and other adjustments</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(20,028)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(16,043)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Claims on central banks</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(113,504)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(100,735)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Exclusion of bounce back loans</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(3,433)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,794)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">UK leverage exposure</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>562,831</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">562,843</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">UK leverage ratio (%)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5.1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.0</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.5in; padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The UK leverage exposure and transitional Tier 1 capital are calculated in accordance with current PRA rules. Excluding the IFRS 9 transitional adjustment, the UK leverage ratio would be 5.1% (31 December&nbsp;2023 &ndash; 5.0%).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5a287d">Capital flow statement</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below analyses the movement in CET1, AT1 and Tier 2 capital
for the three months ended 31 March&nbsp;2024. It is presented on a transitional basis based on current PRA rules.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-bottom: 1pt; width: 60%; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>CET1</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>AT1</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Tier 2</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: right; padding-bottom: 1pt; background-color: white; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 December&nbsp;2023</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24,440</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,875</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,317</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33,632</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Attributable profit for the period</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>918</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>918</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreseeable ordinary dividends</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(367)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(367)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange reserve</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(32)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(32)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI reserve</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own credit</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share capital and reserve movements in respect of employee share schemes</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>68</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>68</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Goodwill and intangibles deduction</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>16</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>16</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred tax assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Prudential valuation adjustments</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>30</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>30</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net dated subordinated debt instruments</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>764</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>764</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movements</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment under IFRS 9 transitional arrangements</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(128)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(128)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other movements</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(40)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(29)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>25,068</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,875</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,037</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>34,980</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; 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: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(66,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For
                                            CET1 movements refer to the key points on page&nbsp;25.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; 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: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(66,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier
                                            2 instrument movements include &pound;0.8 billion in relation to $1.0 billion 6.475% Fixed
                                            to Fixed Reset Tier 2 Notes 2034 issued in March&nbsp;2024, partially offset by amortisation
                                            and foreign exchange movements.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; 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: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(66,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Within
                                            Tier 2, there was also a decrease in the Tier 2 surplus provisions.</FONT></TD></TR></TABLE>

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




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

<!-- Field: Page; Sequence: 28; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->28<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk and capital management</P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Capital, liquidity and funding risk continued</B></P>

<P STYLE="font: 4pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Risk-weighted assets</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below analyses the movement in RWAs during the period, by key
drivers.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 45%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Counterparty</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Operational</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Credit risk</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>credit risk</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Market risk</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&nbsp;risk</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 December&nbsp;2023</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>147.6</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.8</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.4</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>20.2</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>183.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movement</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Business movement</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk parameter changes</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Model updates</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>149.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.7</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.5</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21.8</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>186.3</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below analyses segmental RWAs.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 45%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Private</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Commercial&nbsp;&amp;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Central items</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>NatWest</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Institutional</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&amp; other (1)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Group</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total RWAs</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 December&nbsp;2023</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61.6</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.2</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>107.4</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.8</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>183.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movement</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Business movement</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.7</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.1</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.7</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.2)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk parameter changes&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.1)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Model updates</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>62.5</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>109.9</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.6</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>186.3</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Credit risk</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54.0</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9.7</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>83.5</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.1</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>149.3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Counterparty credit risk</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.1</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Market risk</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.1</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.4</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.5</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operational risk</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8.1</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.5</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.7</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.5</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21.8</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total RWAs</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>62.5</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>109.9</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.6</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>186.3</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.5in; padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;1.0 billion of Central items&nbsp;&amp; other relates to Ulster Bank RoI.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Total RWAs increased by &pound;3.3 billion to &pound;186.3 billion during
the period mainly reflecting:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; 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: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(66,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            increase in business movements totalling &pound;3.3 billion, primarily driven by increased
                                            drawdowns and new facilities within Commercial&nbsp;&amp; Institutional in addition to increased
                                            RWAs following the annual recalculation of operational risk due to higher income when compared
                                            to 2020.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; 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: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(66,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A
                                            decrease in risk parameter changes of &pound;0.1 billion, reflecting customers moving into
                                            default within Commercial&nbsp;&amp; Institutional which is partially offset by PD deterioration
                                            within Commercial&nbsp;&amp; Institutional.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; 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: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: rgb(66,20,95)">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            increase in model updates of &pound;0.2 billion reflecting an increase in IRB Temporary Model
                                            Adjustment related to mortgages within Retail Banking.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Liquidity portfolio</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows the composition of the liquidity portfolio with
primary liquidity aligned to high-quality liquid assets on a regulatory LCR basis. Secondary liquidity comprises of assets which are eligible
as collateral for local central bank liquidity facilities and do not form part of the LCR eligible high-quality liquid assets.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Liquidity value</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 69%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 15%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December&nbsp;2023</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>NatWest</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Group (1)</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash and balances at central banks&nbsp;</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>112,774</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">99,855</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">High quality government/MDB/PSE and GSE bonds&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>32,581</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36,250</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Extremely high quality covered bonds</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,113</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,164</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">LCR level 1 Eligible Assets</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>149,468</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">140,269</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">LCR level 2 Eligible Assets&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,949</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,796</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Primary liquidity (HQLA)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>158,417</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">148,065</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Secondary liquidity</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>70,786</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">74,722</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total liquidity value</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>229,203</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">222,787</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.5in; padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest Group includes the UK Domestic Liquidity Sub-Group (NWB Plc, RBS plc and Coutts&nbsp;&amp; Co), NatWest Markets Plc and other significant operating subsidiaries that hold liquidity portfolios. These include The Royal Bank of Scotland International Limited and NatWest Markets N.V. who hold managed portfolios that comply with local regulations that may differ from PRA rules.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Multilateral development bank abbreviated to MDB, public sector entities abbreviated to PSE and government sponsored entities abbreviated to GSE.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes Level 2A and Level 2B.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">High-quality liquid assets abbreviated to HQLA.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 29; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="a_012"></A>Condensed consolidated income statement</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-size: 12pt">for the period ended 31
March&nbsp;2024</FONT> <FONT STYLE="font-size: 8.5pt">(unaudited)</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 11%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 11%; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m&nbsp;</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Interest receivable</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,055</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,955</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,501</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Interest payable</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(3,404)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,317)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,599)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Net interest income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,651</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,638</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,902</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Fees and commissions receivable</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>770</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">770</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">740</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Fees and commissions payable</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(177)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(169)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(157)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading income</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>129</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">185</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">333</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating income</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>102</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">113</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">58</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Non-interest income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>824</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">899</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">974</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,475</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,537</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,876</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Staff costs</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,062)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(977)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,040)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Premises and equipment</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(293)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(308)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(286)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other administrative expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(424)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(618)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(450)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Depreciation and amortisation</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(273)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(251)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(212)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2,052)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,154)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,988)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit before impairment losses</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,423</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,383</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,888</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(93)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(126)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(70)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit before tax</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,330</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,257</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,818</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax (charge)/credit</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(339)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(512)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit from continuing operations</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>991</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,262</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,306</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(Loss)/profit from discontinued operations, net of tax</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit for the period</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>987</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,288</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,341</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Attributable to:</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary shareholders</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>918</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,229</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,279</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in equity holders</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling interests</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>987</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,288</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,341</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings per ordinary share - continuing operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10.5p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.6p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.8p</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings per ordinary share - discontinued operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.3p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.4p</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total earnings per share attributable to ordinary shareholders - basic&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10.5p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.9p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.2p</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings per ordinary share - fully diluted continuing operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10.4p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.6p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.8p</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings per ordinary share - fully diluted discontinued operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.3p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.4p</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total earnings per share attributable to ordinary shareholders - fully diluted</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10.4p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.9p</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.2p</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>




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

<!-- Field: Page; Sequence: 30; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->30<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Condensed consolidated statement of comprehensive income</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-size: 12pt">for the period ended 31
March&nbsp;2024 </FONT><FONT STYLE="font-size: 8.5pt">(unaudited)</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 66%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31
    March</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    March</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    for the period</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>987</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,288</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,341</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Items
    that do not qualify for reclassification</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Remeasurement
    of retirement benefit schemes&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(36)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(175)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(39)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; text-indent: -0.125in; padding-left: 0.125in; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes
    in fair value of financial liabilities designated at fair value through profit or loss (FVTPL) due to changes in credit risk</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(23)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(12)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Fair
    value through other comprehensive income (FVOCI) financial assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(13)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(19)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">43</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(41)</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(147)</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Items
    that do qualify for reclassification&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI
    financial assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>45</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(16)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">40</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash
    flow hedges</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(66)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,416</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">298</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Currency
    translation</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(25)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(218)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(59)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(345)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(98)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(43)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-top: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">837</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-top: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">181</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Other
    comprehensive (loss)/income after tax</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(84)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">690</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">177</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total
    comprehensive income for the period</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>903</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,978</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,518</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Attributable
    to:</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary
    shareholders</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>834</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,919</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,456</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in
    equity holders</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling
    interests</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; text-align: right; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; text-align: right; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>903</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; vertical-align: bottom; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,978</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; vertical-align: bottom; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,518</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 31; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->31<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-size: 12pt">Condensed consolidated
balance sheet as at 31 March&nbsp;2024</FONT> <FONT STYLE="font-size: 8.5pt">(unaudited)</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; width: 76%; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; width: 12%; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Assets</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash and balances at central banks</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>116,916</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">104,262</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>50,277</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45,551</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>68,133</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">78,904</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Settlement balances</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,724</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,231</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to banks - amortised cost</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,051</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,914</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers - amortised cost</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>378,010</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">381,433</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other financial assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>50,283</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51,102</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Intangible assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7,598</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,614</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,652</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,760</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets of disposal groups</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>808</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">902</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total assets</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>697,452</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692,673</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Liabilities</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Bank deposits</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21,614</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22,190</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>432,793</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">431,377</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Settlement balances</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,758</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,645</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading liabilities</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>56,696</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">53,636</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61,689</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">72,395</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other financial liabilities</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61,340</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55,089</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Subordinated liabilities</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,487</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,714</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Notes in circulation</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,289</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,237</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other liabilities</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,898</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,202</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total liabilities</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>659,564</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">655,485</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary shareholders' interests</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33,958</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33,267</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other owners' interests</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,890</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,890</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Owners' equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,848</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,157</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling interests</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>40</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,888</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,188</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total liabilities and equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>697,452</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692,673</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 32; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Condensed consolidated statement of changes in equity</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-size: 12pt">for the period ended 31
March&nbsp;2024</FONT> <FONT STYLE="font-size: 8.5pt">(unaudited)</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 45%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Share&nbsp;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>capital and</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Non</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>statutory</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Paid-in</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Retained</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>owners'</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>controlling</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total&nbsp;</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>reserves (1)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>equity</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>earnings</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>reserves*</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>equity</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&nbsp;interests</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>equity</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 1 January&nbsp;2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12,848</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,890</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,645</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,774</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,157</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>31</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,188</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit
    attributable to ordinary shareholders and other equity owners</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- continuing operations</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>982</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>982</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>991</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- discontinued operations</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other comprehensive income</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
    Realised gains in period on FVOCI equity shares&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
Remeasurement of retirement benefit schemes&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(36)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(36)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(36)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.25in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
    Changes in fair value of financial liabilities designated at FVTPL due to changes in credit risk&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(23)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(23)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(23)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Unrealised gains: FVOCI</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>30</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>30</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>30</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Amounts recognised in equity: cash flow hedges</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(499)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(499)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(499)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Foreign exchange reserve movement</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(25)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(25)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(25)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Amount transferred from equity to earnings</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>435</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>435</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>435</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Tax&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>25</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>34</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>34</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in equity dividends paid</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(60)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(60)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(60)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Shares repurchased during the period&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(235)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(235)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(235)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share-based payments&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>71</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>92</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>92</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At 31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12,919</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,890</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11,316</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,723</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,848</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>40</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,888</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Attributable to:</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary shareholders</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33,958</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in equity holders</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,890</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling interests</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>40</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,888</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>*Other reserves consist of:</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Merger reserve</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10,881</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI reserve</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(23)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash flow hedging reserve</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,944)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange reserve</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>809</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,723</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 0.5in; padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Share capital and statutory reserves includes share capital, share premium, capital redemption reserve and own shares held.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-right: 0; padding-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest Group plc repurchased and cancelled 100.19 million shares for a total consideration of &pound;225.53 million excluding fees in Q1 2024 as part of the On Market Share Buyback Programme; additionally, 2.25 million shares repurchased in December&nbsp;2023 for a total consideration of &pound;4.93 million excluding fees were settled and cancelled in January&nbsp;2024. Of the 100.19 million shares bought back, 0.64 million shares were settled and cancelled in April&nbsp;2024. The nominal value of the share cancellations has been transferred to the capital redemption reserve.&nbsp;&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 33; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->33<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="a_013"></A>Notes</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5a287d"><B>1. Presentation of condensed
consolidated financial statements</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The condensed consolidated financial statements should be read in conjunction
with NatWest Group plc&rsquo;s 2023 Annual Report on Form&nbsp;20-F. The accounting policies are the same as those applied in the consolidated
financial statements.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The directors have prepared the condensed consolidated financial statements
on a going concern basis after assessing the principal risks, forecasts, projections and other relevant evidence over the twelve months
from the date they are approved.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Amendments to IFRS effective from 1 January&nbsp;2024 had no material
effect on the condensed consolidated financial statements.</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; color: #5a287d"><B>2. Litigation and regulatory matters</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group plc&rsquo;s 2023 Annual Report on Form&nbsp;20-F, issued
on 16 February&nbsp;2024, included disclosures about NatWest Group's litigation and regulatory matters in Note 26. Set out below are the
material developments in those matters (all of which have been previously disclosed) since publication of the 2023 Annual Report on Form&nbsp;20-F.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Litigation</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>London Interbank Offered Rate (LIBOR) and other
rates litigation</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NWM Plc and certain other members of NatWest Group, including NatWest
Group plc, are defendants in a number of claims pending in the United States District Court for the Southern District of New York (SDNY)
with respect to the setting of USD LIBOR. In March&nbsp;2024, NatWest Group companies reached an agreement in principle, subject to documentation
and court approval, to settle the USD LIBOR class action that asserts claims on behalf of lenders who made LIBOR based loans. In April&nbsp;2024,
NatWest Group companies reached an agreement, subject to court approval, to settle the USD LIBOR class action that asserts claims on behalf
of persons who transacted futures and options on exchanges. The settlement amounts are covered in full by existing provisions.</P>

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

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>FX litigation</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NWM Plc, NWMSI and/or NatWest Group plc are defendants in several cases
relating to NWM Plc&rsquo;s foreign exchange (FX) business. In February&nbsp;2024, NWM Plc executed an agreement to settle the claim in
the Tel Aviv District Court in Israel, subject to court approval. The settlement amount is covered in full by an existing provision.</P>

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

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Government securities antitrust litigation</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Class&nbsp;action antitrust claims commenced in March&nbsp;2019 are pending
in the SDNY against NWM Plc, NWMSI and other banks in respect of Euro-denominated bonds issued by various European central banks. In March&nbsp;2024,
NatWest Group companies reached an agreement in principle, subject to final documentation and court approval, to settle the class action.
The settlement amount is covered in full by an existing provision.</P>

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

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Swaps antitrust litigation</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NWM Plc and other members of NatWest Group, including NatWest Group plc,
as well as a number of other interest rate swap dealers, are defendants in several cases pending in the SDNY alleging violations of the
US antitrust laws in the market for interest rate swaps. There is a consolidated class action complaint on behalf of persons who entered
into interest rate swaps with the defendants, as well as non-class action claims by three swap execution facilities. In March&nbsp;2024,
NatWest Group companies reached an agreement in principle, subject to documentation and court approval, to settle the class action. The
settlement amount is covered in full by an existing provision.</P>

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

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>1MDB litigation</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">A Malaysian court claim was served in Switzerland in November&nbsp;2022
by 1MDB, a sovereign wealth fund, in which Coutts&nbsp;&amp; Co Ltd was named, along with six others, as a defendant in respect of losses
allegedly incurred by 1MDB. It is claimed that Coutts&nbsp;&amp; Co Ltd is liable as a constructive trustee for having dishonestly assisted
the directors of 1MDB in the breach of their fiduciary duties by failing (amongst other alleged claims) to undertake due diligence in
relation to a customer of Coutts&nbsp;&amp; Co Ltd, through which funds totalling c.US$1 billion were received and paid out between 2009
and 2011. The claimant seeks the return of that amount plus interest. Coutts&nbsp;&amp; Co Ltd filed an application in January&nbsp;2023
challenging the validity of service and the Malaysian court&rsquo;s jurisdiction to hear the claim, and a hearing took place in February&nbsp;2024.
In March&nbsp;2024, the court granted that application. The claimant has filed a Notice of Appeal.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Coutts&nbsp;&amp; Co Ltd (a subsidiary of RBS Netherlands Holdings B.V.,
which in turn is a subsidiary of NWM Plc) is a company registered in Switzerland and is in wind-down following the announced sale of its
business assets in 2015.</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"></P>

<!-- Field: Page; Sequence: 34; Value: 2 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Notes continued</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>3. Related party transactions</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The UK Government&rsquo;s shareholding in NatWest Group plc is managed
by UK Government Investments Limited, a company wholly owned by the UK Government. At 31 March&nbsp;2024 HM Treasury&rsquo;s holding in
NatWest Group plc&rsquo;s ordinary shares was 29.82% (31 December&nbsp;2023 - 37.97%). As a result, the UK Government through HM Treasury
is no longer the controlling shareholder of NatWest Group plc as per UK listing rules. The UK Government and UK Government-controlled
bodies remain related parties of the NatWest Group. We are supporting the UK Government plans for a possible retail offer of its shareholding.</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; color: #5a287d"><B>4. Post balance sheet events</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As part of the ongoing on-market share buyback programme, NatWest
Group plc has repurchased and cancelled a further 15.5 million shares since 31 March 2024 for a total consideration (excluding fees)
of &pound;42.4 million.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Other than as disclosed there have been no significant events between
31 March&nbsp;2024 and the date of approval of these accounts that would require a change to or additional disclosure in the condensed
consolidated financial statements.</P>

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><A NAME="a_014"></A>Additional information</P>

<P STYLE="font: 5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>Other financial data</B></P>

<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows NatWest Group&rsquo;s issued and fully paid
share capital, owners&rsquo; equity and indebtedness on a consolidated basis in accordance with IFRS as at 31 March&nbsp;2024.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; width: 83%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>As at <BR>
31 March<BR>
2024<BR>
 &pound;m</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #3c145f"><B>Share capital - allotted, called up and fully paid</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Ordinary shares of &pound;1</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>9,574 </B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Retained income and other reserves</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>28,274</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Owners&rsquo; equity</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>37,848</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="background-color: #F2E8F9; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #3c145f"><B>NatWest Group indebtedness</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Trading liabilities - debt securities in issue</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>546</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Other financial liabilities &ndash; debt securities in issue</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>59,730</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Subordinated liabilities</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>6,487</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Total indebtedness</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>66,763</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Total capitalisation and indebtedness</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f"><B>104,611</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Under IFRS, certain preference shares are classified as debt and are
included in subordinated liabilities in the table above.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The information contained in the table above has not changed materially
since 31 March&nbsp;2024.</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"></P>

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

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

<P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2412276d1_6ks5img1.jpg" ALT="">&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">&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">&nbsp;</P>

<P STYLE="font: 32pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #5a287d"><A NAME="a_015"></A>Appendix</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;</P>

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

<P STYLE="font: 32pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #5a287d">Non-IFRS financial measures</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"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial measures</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group prepares its financial statements in accordance with UK-adopted
International Accounting Standards (IAS) and International Financial Reporting Standards (IFRS). This document contains a number of non-IFRS
measures, also known as alternative performance measures, defined under the European Securities and Markets Authority guidance or non-GAAP
financial measures in accordance with SEC regulations. 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.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 a calculation of metrics that are used throughout the banking industry.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">These non-IFRS measures are not a substitute for IFRS measures and should
not be considered in isolation. A reconciliation to the closest IFRS measure is presented where appropriate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>1. Total income excluding notable items</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Total income excluding notable items is calculated as total income less
notable items.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The exclusion of notable items aims to remove the impact of one-offs
and other volatile items which may distort period-on-period comparisons.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended&nbsp;</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,475</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,537</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,876</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less notable items</FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;&nbsp;&nbsp;Commercial&nbsp;&amp; Institutional&nbsp;</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Own credit adjustments (OCA)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(5)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax interest on prior periods</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;&nbsp;&nbsp;Central items&nbsp;&amp; other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liquidity Asset Bond sale losses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(10)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(13)</FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Share of associate profits/(losses) for Business Growth Fund</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(12)</FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest and FX risk
management derivatives not&nbsp;in accounting hedge relationships</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>59</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(21)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">75</FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FX recycling gains</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">162</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax interest on prior periods</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(35)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f">-</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">95</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">56</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total income excluding notable items</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,414</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,442</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,820</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial measures continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>2. Operating expenses - management view</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The management analysis of operating expenses shows litigation and conduct
costs on a separate line. These amounts are included within staff costs and other administrative expenses in the statutory analysis. Other
operating expenses excludes litigation and conduct costs, which are more volatile and may distort period-on-period comparisons.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March&nbsp;2024</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 61%; background-color: white">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Litigation and</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Statutory</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>conduct</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>operating</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>operating</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>costs</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>expenses</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>expenses</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Staff costs</FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,047</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,062</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Premises and equipment</FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>293</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>293</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other administrative expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>415</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>424</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Depreciation and amortisation</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>273</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>273</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,028</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,052</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter ended</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December&nbsp;2023</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Litigation and</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Statutory</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">conduct</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">operating</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">operating</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">costs</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">expenses</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Staff costs</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">961</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">977</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Premises and equipment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">308</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">308</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other administrative expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">97</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">521</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">618</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Depreciation and amortisation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">251</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">251</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">113</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,041</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,154</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter ended</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March&nbsp;2023</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Litigation and</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Statutory</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">conduct</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">operating</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">operating</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">costs</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">expenses</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Staff costs</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,026</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,040</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Premises and equipment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">286</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">286</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other administrative expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">42</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">408</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">450</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Depreciation and amortisation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">212</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">212</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">56</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,932</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,988</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial measures continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>3. Cost:income ratio (excl. litigation and conduct)</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The cost:income ratio (excl. litigation and conduct) is calculated as
other operating expenses (operating expenses less litigation and conduct costs) divided by total income.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Litigation and conduct costs are excluded as they are one-off in nature,
difficult to forecast for Outlook purposes and distort period-on-period comparisons. The calculation of the cost:income ratio (excl. litigation
and conduct) is shown below, along with a comparison to cost:income ratio calculated using operating expenses.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 53%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Private</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Commercial&nbsp;&amp;&nbsp;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Central items&nbsp;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>NatWest</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Institutional</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&amp; other</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Group</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Quarter ended 31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>773</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>181</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,051</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>47</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,052</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less litigation and conduct costs</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(6)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(31)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(24)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>767</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>180</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,020</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,028</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,325</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>208</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,859</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>83</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,475</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Cost:income ratio&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>58.3%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>87.0%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>56.5%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>59.1%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Cost:income ratio (excl. litigation and conduct)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>57.9%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>86.5%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54.9%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>58.4%</B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Quarter ended 31 December&nbsp;2023</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">681</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">206</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,092</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">175</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,154</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less litigation and conduct costs</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(78)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(113)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">647</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,014</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">172</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,041</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,369&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">209&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,832&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">127&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,537&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Cost:income ratio&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.7%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">98.6%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59.6%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60.9%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Cost:income ratio (excl. litigation and conduct)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">47.3%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">99.5%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55.3%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57.7%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Quarter ended 31 March&nbsp;2023</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">696</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">155</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,003</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">134</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,988</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less litigation and conduct costs</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(44)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(56)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">693</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">152</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">959</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">128</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,932</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,604&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">296&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,953&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,876&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Cost:income ratio&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">43.4%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52.4%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.4%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.3%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Cost:income ratio (excl. litigation and conduct)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">43.2%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.4%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.1%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.8%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>4. NatWest Group return on tangible equity</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Return on tangible equity comprises annualised profit or loss for the
period attributable to ordinary shareholders divided by average tangible equity. Average tangible equity is average total equity excluding
average non-controlling interests, average other owners equity and average intangible assets.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This measure shows the return NatWest Group generates on tangible equity
deployed. It is used to determine relative performance of banks and used widely across the sector, although different banks may calculate
the rate differently. A reconciliation is shown below including a comparison to the nearest GAAP measure: return on equity. This comprises
profit attributable to ordinary shareholders divided by average total equity.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended or as at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>NatWest Group return on tangible equity&nbsp;</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit attributable to ordinary shareholders&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>918</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,229</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,279</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annualised profit attributable to ordinary shareholders&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,672</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,916</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,116</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average total equity&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37,490</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36,134</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,195</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment for average other owners' equity and intangible assets&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(11,684)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(11,686)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(11,319)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjusted total tangible equity&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>25,806</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24,448</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25,876</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Return on equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9.8%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.6%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Return on tangible equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.2%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.1%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.8%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 39; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->39<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial measures continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>5. Segmental return on equity</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Segmental return on equity comprises segmental operating profit or loss,
adjusted for paid-in equity and tax, divided by average notional equity. Average RWAe is defined as average segmental RWAs incorporating
the effect of capital deductions. This is multiplied by an allocated equity factor for each segment to calculate the average notional
equity.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This measure shows the return generated by operating segments on equity
deployed.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended or as at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 60%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Private</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 14%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Commercial&nbsp;&amp;&nbsp;</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Quarter ended 31 March&nbsp;2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Institutional</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>489</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>769</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in equity cost allocation (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(16)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(40)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment for tax (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(132)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(8)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(182)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>341</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>547</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annualised adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,362</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>84</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,187</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average RWAe (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61.7</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.2</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>109.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Equity factor</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.4%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.2%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.8%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average notional equity (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Return on equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>16.5%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6.7%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.6%</B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Quarter ended 31 December&nbsp;2023</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">585&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">725&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in equity cost allocation (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(12)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(40)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment for tax (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(160)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(171)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">413&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">514&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annualised adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,650&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(23)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,055&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average RWAe (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60.5&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.4&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">109.0&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Equity factor</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.5%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.0%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average notional equity (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8.2&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.3&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.3&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Return on equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.2%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.8%)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Quarter ended 31 March&nbsp;2023</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">794&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">133&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">994&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in equity cost allocation (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(15)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(44)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment for tax (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(218)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(36)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(238)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">561&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">92&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">713&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annualised adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,244&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">369&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,850&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average RWAe (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55.4&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.2&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">104.0&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Equity factor</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.5%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.0%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average notional equity (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7.5&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.3&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.6&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Return on equity</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">30.0%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28.5%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.5%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>6. Net interest margin and average interest earning assets (IEA)</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Net interest margin is net interest income, as a percentage of average
IEA.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group has previously reported Bank net interest margin, calculated
as net interest income as a percentage of average IEA, excluding the liquid asset buffer. Liquid asset buffer consists
of assets held by NatWest Group, such as cash and balances at central banks and debt securities in issue, that can be used to ensure repayment
of financial obligations as they fall due.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Bank net interest margin is a less relevant measure now that interest
rates have increased. Going forward we will report net interest margin as net interest income as a percentage of average IEA, which we see as a more useful measure of how we manage spreads between our interest earning assets, including the liquid asset
buffer, and interest bearing liabilities.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Average IEA are average IEA of the banking business of NatWest Group. This primarily consists of cash and balances at central banks, loans
to banks, loans to customers and other financial assets mostly comprising of debt securities. Average IEA shows the average asset base
generating interest over the period and is used in the calculation of net interest margin.</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"></P>

<!-- Field: Page; Sequence: 40; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->40<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial measures continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>7. Tangible net asset value (TNAV) per ordinary
share</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">TNAV per ordinary share is calculated as tangible equity divided by the
number of ordinary shares in issue.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">This is a measure used by external
analysts in valuing the bank and allows for comparison with other per ordinary share metrics including the share price</FONT><FONT STYLE="font-size: 8.5pt">. </FONT>A
reconciliation is shown below including a comparison to the nearest GAAP measure: net asset value (NAV) per ordinary share. This
comprises ordinary shareholders&rsquo; interests divided by the number of ordinary shares in issue.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended or as at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary shareholders&rsquo; interests (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>33,958</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33,267</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33,817</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less intangible assets (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(7,598)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(7,614)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(7,171)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tangible equity (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26,360</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25,653</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26,646</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary shares in issue (millions)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,727</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,792</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,581</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="color: rgb(90,40,125); padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><B>NAV
    per ordinary share (pence)</B></TD>
    <TD STYLE="color: rgb(90,40,125); padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><B>389p</B></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right; padding-bottom: 0.5pt">378p</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt">353p</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>TNAV per ordinary share (pence)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>302p</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">292p</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">278p</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<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: 2%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="width: 98%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The number of ordinary shares in issue excludes own shares held.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>8. Customer deposits excluding central items</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Customer deposits excluding central items is calculated as total NatWest
Group customer deposits excluding Central items&nbsp;&amp; other customer deposits.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Central items&nbsp;&amp; other includes Treasury repo activity and Ulster
Bank RoI. The exclusion of Central items&nbsp;&amp; other removes the volatility relating to Treasury repo activity and the reduction
of deposits as part of our withdrawal from the Republic of Ireland. These items may distort period-on-period comparisons and their removal
gives the user of the financial statements a better understanding of the movements in customer deposits.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>432.8</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">431.4</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">430.5</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less Central items&nbsp;&amp; other</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(12.8)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(12.3)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(8.7)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Customer deposits excluding central items</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>420.0</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">419.1</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">421.8</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 41; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->41<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial measures continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>9. Net loans to customers excluding central items</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Net loans to customers excluding central items is calculated as total
NatWest Group net loans to customers excluding Central items&nbsp;&amp; other net loans to customers.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Central items&nbsp;&amp; other includes Treasury reverse repo activity
and Ulster Bank RoI. The exclusion of Central items&nbsp;&amp; other removes the volatility relating to Treasury reverse repo activity
and the reduction of loans to customers as part of our withdrawal from the Republic of Ireland. This allows for better period-on-period
comparisons and gives the user of the financial statements a better understanding of the movements in net loans to customers.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>378.0</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">381.4</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">374.2</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less Central items&nbsp;&amp; other</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(21.0)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(25.8)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(21.8)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Net loans to customers excluding central items</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>357.0</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">355.6</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">352.4</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>10. Loan:deposit ratio (excl. repos and reverse
repos)</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loan:deposit ratio (excl. repos and reverse repos) is calculated as net
loans to customer held at amortised cost excluding reverse repos divided by customer deposits excluding repos. This is a common metric
used to assess liquidity.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The removal of repos and reverse repos reduces volatility and presents
the ratio on a basis that is comparable to UK peers. A reconciliation is shown below including a comparison to the nearest GAAP measure:
loan:deposit ratio. This is calculated as net loans to customers held at amortised cost divided by customer deposits.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 64%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 12%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 12%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers - amortised cost&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>378,010</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">381,433</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">374,214</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less reverse repos</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(23,120)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(27,117)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(21,743)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loans to customers</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">- amortised cost (excl. reverse repos)</FONT></FONT></B></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>354,890</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">354,316</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">352,471</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>432,793</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">431,377</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">430,537</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less repos</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(11,437)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(10,844)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,989)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Customer deposits (excl. repos)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>421,356</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">420,533</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">424,548</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan:deposit ratio&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>87%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">88%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">87%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan:deposit ratio (excl. repos and reverse repos)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>84%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">84%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">83%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>11. Loan impairment rate</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loan impairment rate is the annualised loan impairment charge divided
by gross customer loans. This measure is used to assess the credit quality of the loan book.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended or as at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment charge/(release) (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>93</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">126</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">70</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annualised loan impairment charge/(release) (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>372</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">504</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">280</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Gross customer loans (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>381.6</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">385.0</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">377.6</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Loan impairment rate&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>10bps</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13bps</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7bps</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 42; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group</B> - Form 6-K Q1 Results 2024</FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->42<!-- Field: /Sequence --></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial measures continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>12. Funded assets</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Funded assets is calculated as total assets less derivative assets. This
measure allows review of balance sheet trends exclusive of the volatility associated with derivative fair values.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 11%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>31 March</B></FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="width: 11%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2024</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>697,452</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692,673</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">695,624</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less derivative assets</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(68,133)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(78,904)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(79,420)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Funded assets</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>629,319</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">613,769</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">616,204</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><B>13. AUMA</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUMA comprises both assets under management (AUMs) and assets under administration
(AUAs) serviced through the Private Banking segment. AUMs comprise assets where the investment management is undertaken by Private Banking
on behalf of Private Banking, Retail Banking and Commercial&nbsp;&amp; Institutional customers. AUAs comprise i) third party assets held
on an execution-only basis in custody by Private Banking, Retail Banking and Commercial&nbsp;&amp; Institutional for their customers,
for which the execution services are supported by Private Banking, and for which Private Banking receives a fee for providing investment
management and execution services to Retail Banking and Commercial&nbsp;&amp; Institutional business segments ii) AUA of Cushon, acquired
on 1 June&nbsp;2023, which are supported by Private Banking and held and managed by third parties.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This measure is tracked and reported as the amount of funds that we manage
or administer directly impacts the level of investment income that we receive.</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; color: #5a287d"><B>14. AUM net flows</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUM net flows refers to client cash inflows and outflows relating to
investment products (this can include transfers from savings accounts). AUM net flows excludes the impact of European Economic Area (EEA)
resident client outflows following the UK&rsquo;s exit from the EU and Russian client outflows since Q1 2022.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUM net flows is reported and tracked to monitor the business performance
of new business inflows and management of existing client withdrawals across Retail Banking, Private Banking and Commercial&nbsp;&amp;
Institutional Banking.</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; color: #5a287d"><B>15. Wholesale funding</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Wholesale funding comprises deposits by banks (excluding repos), debt
securities in issue and subordinated liabilities.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Funding risk is the risk of not maintaining a diversified, stable and
cost-effective funding base. The disclosure of wholesale funding highlights the extent of our diversification and how we mitigate funding
risk.</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; color: #5a287d"><B>16. Third party rates</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Third party customer asset rate is calculated as 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.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">These metrics help investors better understand our net interest margin
and interest rate sensitivity.</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; color: #5a287d"><B>17. Climate and sustainable funding and financing</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The climate and sustainable funding and financing metric is used by NatWest
Group to measure the level of support it provides customers, through lending products and underwriting activities, to help in their transition
towards a net zero, climate resilient and sustainable economy. We have a target to provide &pound;100 billion of climate and sustainable
funding and financing between the 1 of July&nbsp;2021 and the end of 2025. As part of this, we aim to provide at least &pound;10 billion
in lending for residential properties with EPC ratings A and B between 1 January&nbsp;2023 and the end of 2025.</P>

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

<P STYLE="font: 9pt 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"></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>SIGNATURE</B></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">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 authorised.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>NatWest Group plc</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Registrant</B></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">/s/ Katie Murray</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">Group Chief Financial Officer</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">26 April&nbsp;2024</P>

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

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

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
