<SEC-DOCUMENT>0001104659-24-111283.txt : 20241025
<SEC-HEADER>0001104659-24-111283.hdr.sgml : 20241025
<ACCEPTANCE-DATETIME>20241025061949
ACCESSION NUMBER:		0001104659-24-111283
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20241025
FILED AS OF DATE:		20241025
DATE AS OF CHANGE:		20241025

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:		241394040

	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>tm2424386d1_6k.htm
<DESCRIPTION>FORM 6-K
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; 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">25 October&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: 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">&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;</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">Form&nbsp;20-F <U>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&nbsp;40-F
&#95;&#95;</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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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Forward-looking statements</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: justify; 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 outlook, targets and guidance relating to financial performance measures, such
as income growth, operating costs, RoTE, loan impairment rate, ROE, discretionary capital distribution targets (including payment of
dividends to shareholders) and participation in directed buybacks, 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 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; text-align: justify; color: #5A287D"><B><I>Limitations inherent to
forward-looking statements</I></B></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; text-align: justify; color: #5A287D"><B><I>Important factors that could
affect the actual outcome of the forward-looking statements</I></B></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, fiscal and monetary
policy changes (such as increases in bank levies), supply chain disruption and geopolitical developments (including the direct and indirect
impacts of escalating armed conflicts); changes in foreign currency exchange rates; uncertainty regarding the effects of Brexit; and
HM Treasury&rsquo;s significant degree of influence over NatWest Group and the potential adverse effect of further sales or offers of
shares held by HM Treasury&rsquo;s on NatWest Group&rsquo;s reputation or securities price; business change and execution 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</P>

<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="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Forward-looking statements continued</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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; text-align: justify; color: #5A287D"><B><I>Climate and sustainability-related
disclosures</I></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. Refer also 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; text-align: justify; color: #5A287D"><B>Cautionary statement regarding
Non-IFRS financial measures and APMs</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 5pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">NatWest Group prepares its financial statements
in accordance with UK-adopted International Accounting Standards (IAS) and IFRS. This document may contain financial measures and ratios
not specifically defined under Generally Accepted Accounting Principles (&lsquo;GAAP&rsquo;) 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; text-align: justify">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>


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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Introduction</B></P>

<P STYLE="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Presentation of information</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 4pt"><B>&nbsp;</B></FONT></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; and &lsquo;we&rsquo; refers to NatWest Group plc and its subsidiary and associated
undertakings. The term &lsquo;NWH Group&rsquo; refers to NatWest Holdings Limited (NWH) and its subsidiary and associated undertakings.
The term &lsquo;NWM Group&rsquo; refers to NatWest Markets Plc (NWM Plc) and its subsidiary and associated undertakings. The term &lsquo;NWM
N.V.&rsquo; refers to NatWest Markets N.V. 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.</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, respectively, and references to &lsquo;pence&rsquo; or &lsquo;p&rsquo; represent pence
where the amounts are denominated in pounds sterling (&lsquo;GBP&rsquo;). 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 nine-month period ended 30 September&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: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 4pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group prepares its financial statements in accordance with UK-adopted
IAS and IFRS. This document contains a number of non-IFRS measures, also known as alternative performance measures, defined under the
ESMA guidance or non-GAAP financial measures in accordance with the Securities and Exchange Commission (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 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;42.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Inside this report</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">&nbsp;</P>

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding: 2pt 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Business
                                            performance summary</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"></P></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_001"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>6</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_001"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Q3
    2024 performance summary</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_002"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>8</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_002"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Performance
    key metrics and ratios</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_003"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>10</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_003"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Chief
    Financial Officer&rsquo;s review</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_004"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>11</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_004"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Retail
    Banking</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_005"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>12</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_005"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Private
    Banking</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_006"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>13</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_006"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Commercial&nbsp;&amp;
    Institutional</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_007"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>14</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_007"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Central
    items&nbsp;&amp; other</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_008"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>15</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_008"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Segment
    performance</FONT></A></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 2pt 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding: 2pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #5A287D"><B>Risk and capital
    management</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_009"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>20</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_009"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: Black">Credit
    risk</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_010"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>20</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_010"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Segment
    analysis &ndash; portfolio summary</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_011"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>21</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_011"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Segment
    analysis &ndash; loans</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_012"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>21</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_012"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Movement
    in ECL provision</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_013"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>22</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_013"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">ECL
    post model adjustments</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_014"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>23</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_014"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Sector
    analysis &ndash; portfolio summary</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_028"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>28</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_028"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: Black">Capital,
    liquidity and funding risk</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_016"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>34</B></FONT></A></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_016"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: Black">Pension
    risk</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding: 2pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #5A287D"><B>Financial statements
    and notes</B></FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_017"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>35</B></FONT></A></TD>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_017"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Condensed
    consolidated income statement</FONT></A></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_018"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>36</B></FONT></A></TD>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_018"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Condensed
    consolidated statement of comprehensive income</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_019"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>37</B></FONT></A></TD>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_019"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Condensed
    consolidated balance sheet</FONT></A></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_020"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>38</B></FONT></A></TD>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_020"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Condensed
    consolidated statement of changes in equity</FONT></A></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_022"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>40</B></FONT></A></TD>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_022"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Presentation
    of condensed consolidated financial statements</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_023"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>40</B></FONT></A></TD>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_023"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: Black">Litigation
    and regulatory matters</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_024"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>40</B></FONT></A></TD>
    <TD STYLE="padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid"><A HREF="#a_024"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: black">Post
    balance sheet events</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding-top: 2pt; width: 6%; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="padding-top: 2pt; width: 1%; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="padding-top: 2pt; width: 93%; padding-bottom: 2pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #5A287D"><B>Additional
    information</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; width: 7%; border-left: #5A287D 2.25pt solid; border-bottom: gray 1pt solid"><A HREF="#a_025"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5A287D"><B>41</B></FONT></A></TD>
    <TD STYLE="border-bottom: gray 1pt solid; color: Black; padding: 2pt 5.4pt; width: 93%"><FONT STYLE="color: Black"><A HREF="#a_025"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    financial data</FONT></A></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #5A287D"><B>Appendix </B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt; border-right: white 1pt solid; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_026"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #5A287D"><B>42</B></FONT></A></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; color: Black; padding: 2pt 5.4pt"><FONT STYLE="color: Black"><A HREF="#a_026"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Non-IFRS
    financial measures</FONT></A></FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; text-align: left; padding: 2pt 5.4pt; vertical-align: middle; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><A HREF="#a_027"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: Black"><B>47</B></FONT></A></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; color: Black; padding: 2pt 5.4pt"><A HREF="#a_027"><FONT STYLE="color: Black">Performance
    measures not defined under IFRS </FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

</DIV>

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


<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_001"></A><B>Q3 2024 performance summary</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; color: #5A287D"><B>Chief Executive, Paul Thwaite, commented:</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">&ldquo;The strength of NatWest Group&rsquo;s performance is underpinned
by the support we provide to our 19 million customers in every nation and region of the UK. By continuing to deliver against our strategy,
we are growing and simplifying our bank whilst managing our capital more efficiently.</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">As the UK&rsquo;s biggest bank for business, and one that serves millions
of households, NatWest Group plays a key role in driving economic growth across the UK. Throughout the third quarter of 2024, we have
grown our lending, helping customers to buy or remortgage their homes or to start and grow their businesses. With customer activity increasing,
defaults remaining low and optimism amongst businesses and consumers, we are well placed to succeed with our customers and for our shareholders
in the months and years ahead.&rdquo;</P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)"><B>Q3 2024 performance</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Attributable
                                            profit of &pound;1,172 million, return on equity of 12.3% and a return on tangible equity
                                            (RoTE) of 18.3%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Q3
                                            2024 total income of &pound;3,744 million was &pound;85 million, or 2.3%, higher than Q2
                                            2024 and was &pound;256 million, or 7.3%, higher than Q3 2023. Total income excluding notable
                                            items<SUP>(1)</SUP>&nbsp;of &pound;3,772 million was &pound;182 million, or 5.1%, higher
                                            than Q2 2024 primarily reflecting lending and deposit growth and margin expansion. Net interest
                                            margin (NIM) of 2.18% was 8 basis points higher.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Q3
                                            2024 operating expenses of &pound;1,825 million were &pound;180 million, or 9.0%, lower than
                                            Q2 2024. Other operating expenses were &pound;144 million lower than Q2 2024.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            impairment charge of &pound;245 million or 25 basis points of gross customer loans. Levels
                                            of default remain at low levels across the portfolio.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            loans to customers of &pound;386.7 billion increased by &pound;7.4 billion during Q3 2024.
                                            Net loans to customers excluding central items increased by &pound;8.4 billion in the quarter,
                                            of which &pound;2.3 billion was in relation to the Metro Bank mortgage portfolio acquisition,
                                            with strong growth across the three businesses, including a &pound;1.4 billion increase in
                                            mortgage balances.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
                                            deposits of &pound;431.1 billion reduced by &pound;1.9 billion in Q3 2024. Customer deposits
                                            excluding central items increased by &pound;2.2 billion with growth across all three businesses
                                            driven by savings.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            liquidity coverage ratio (LCR) of 148%, representing &pound;52.7 billion headroom above 100%
                                            minimum requirement, decreased by 3 percentage points compared with Q2 2024.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">NAV
                                            per share increased by 13 pence in Q3 2024 to 408 pence. TNAV per share showed good growth
                                            in the quarter as the profit drove a 12 pence increase to 316 pence.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Common
                                            Equity Tier 1 (CET1) ratio of 13.9% was 30 basis points higher than Q2 2024. Capital generation
                                            pre distributions was 57 basis points in the quarter and 197 basis points for the year to
                                            date. RWAs of &pound;181.7 billion increased by &pound;0.9 billion.</FONT></TD></TR></TABLE>

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

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"></P>

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Q3 year to date performance</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Attributable
                                            profit of &pound;3,271 million, return on equity of 11.6% and a RoTE of 17.0%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            income for the nine months ended 30 September&nbsp;2024 of &pound;10,878 million was &pound;337
                                            million, or 3.0%, lower than prior year. Total income excluding notable items<SUP>(1)</SUP>&nbsp;of
                                            &pound;10,776 million was &pound;121 million, or 1.1%, lower than prior year. NIM was 2.11%
                                            for the year to date.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
                                            expenses for the nine months ended 30 September&nbsp;2024 of &pound;5,882 million were &pound;40
                                            million, or 0.7%, higher than prior year. Other operating expenses were &pound;140 million
                                            higher than the same period of 2023, or &pound;38 million (0.7%) higher excluding costs in
                                            relation to a retail share offering<SUP>(2)</SUP>&nbsp;of &pound;24 million and additional
                                            bank levies of &pound;78 million.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            impairment charge of &pound;293 million or 10 basis points of gross customer loans and levels
                                            of default remain stable for the year to date.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            loans to customers of &pound;386.7 billion increased by &pound;5.3 billion since 31 December&nbsp;2023.
                                            Net loans to customers excluding central items increased by &pound;8.1 billion reflecting
                                            &pound;6.2 billion of growth in Commercial&nbsp;&amp; Institutional and &pound;2.3 billion
                                            in respect of the Metro Bank mortgage portfolio acquisition.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
                                            deposits of &pound;431.1 billion reduced by &pound;0.3 billion since 31 December&nbsp;2023.
                                            Customer deposits excluding central items increased by &pound;8.3 billion, including &pound;4.0
                                            billion of growth in Retail Banking, &pound;2.0 billion in Private Banking and &pound;2.3
                                            billion in 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: 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>

<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>Refer to the Non-IFRS financial measures appendix for details of notable
                                            items.</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>Costs incurred preparing for a retail share offering proposed by the
                                            previous UK Government, now not expected to proceed.</TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

</DIV>

<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="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Q3 2024 performance summary continued</P>

<DIV STYLE="float: left; width: 50%"><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">Outlook<SUP>(1)</SUP></FONT></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">We continue to assess the economic outlook and will monitor and react
to market conditions and refine our internal forecasts as the economic position evolves. The following statements are based on our current
expectations for interest rates and economic activity.</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>In 2024 we now expect:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">to
                                            achieve a return on tangible equity above 15%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">income
                                            excluding notable items to be around &pound;14.4 billion.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Group
                                            operating costs, excluding litigation and conduct costs, to be broadly stable compared with
                                            2023 excluding around &pound;0.1 billion increase in bank levies and &pound;24 million of
                                            costs in relation to a retail share offering.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">our
                                            loan impairment rate for 2024 to be below 15 basis points.</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>In 2026 we continue to expect:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">to
                                            achieve a return on tangible equity for the Group of greater than 13%.</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>Capital &ndash; we continue to:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">target
                                            a CET1 ratio in the range of 13-14%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">expect
                                            RWAs to be around &pound;200 billion at the end of 2025, including the impact of Basel 3.1
                                            on a pro-forma basis. We expect the impact of Basel 3.1 to be an uplift of around &pound;8
                                            billion on 1 January&nbsp;2026.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">expect
                                            to pay ordinary dividends of around 40% of attributable profit and maintain capacity to participate
                                            in directed buybacks from the UK Government, recognising that any exercise of this authority
                                            would be dependent upon HMT's intentions. We will also consider further on-market buybacks
                                            as appropriate.</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>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 section
                                            in the 2023 Annual Report on Form&nbsp;20-F and the Summary Risk Factors in the NatWest Group
                                            plc Interim Results on Form&nbsp;6-K, issued on 26 July&nbsp;2024. These statements constitute
                                            forward-looking statements. Refer to Forward-looking statements in this announcement.</TD></TR></TABLE>

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

</DIV>

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</DIV>


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<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Business performance summary</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">&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: #5A287D"><B>Nine
    months ended</B></FONT></TD>
    <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; color: #5A287D"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 39%; 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>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%; 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>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white">&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>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">Variance</FONT></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">2024</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Variance</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">Variance</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>Summary
    consolidated income statement</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: white; 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; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">%</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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: 6pt; color: #5A287D"><B>&pound;m</B></FONT></TD>
    <TD STYLE="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: 6pt">&pound;m</FONT></TD>
    <TD STYLE="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: 6pt">%</FONT></TD>
    <TD STYLE="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: 6pt">&pound;m</FONT></TD>
    <TD STYLE="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: 6pt">%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</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>8,307</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">8,411</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">(1.2%)</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2,899</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">2,757</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">5.2%</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">2,685</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">8.0%</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">Non-interest
    income</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>2,571</B></FONT></TD>
    <TD STYLE="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">2,804</FONT></TD>
    <TD STYLE="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">(8.3%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>845</B></FONT></TD>
    <TD STYLE="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">902</FONT></TD>
    <TD STYLE="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">(6.3%)</FONT></TD>
    <TD STYLE="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">803</FONT></TD>
    <TD STYLE="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">5.2%</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
    income</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>10,878</B></FONT></TD>
    <TD STYLE="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">11,215</FONT></TD>
    <TD STYLE="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">(3.0%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>3,744</B></FONT></TD>
    <TD STYLE="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">3,659</FONT></TD>
    <TD STYLE="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">2.3%</FONT></TD>
    <TD STYLE="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">3,488</FONT></TD>
    <TD STYLE="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">7.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Litigation and conduct
    costs</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>(142)</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">(242)</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">(41.3%)</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(41)</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">(77)</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">(46.8%)</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">(134)</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">(69.4%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</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>(5,740)</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">(5,600)</FONT></TD>
    <TD STYLE="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">2.5%</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>(1,784)</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">(1,928)</FONT></TD>
    <TD STYLE="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">(7.5%)</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">(1,793)</FONT></TD>
    <TD STYLE="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">(0.5%)</FONT></TD></TR>
  <TR>
    <TD STYLE="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="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>(5,882)</B></FONT></TD>
    <TD STYLE="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">(5,842)</FONT></TD>
    <TD STYLE="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">0.7%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&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>(1,825)</B></FONT></TD>
    <TD STYLE="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">(2,005)</FONT></TD>
    <TD STYLE="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">(9.0%)</FONT></TD>
    <TD STYLE="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">(1,927)</FONT></TD>
    <TD STYLE="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">(5.3%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Profit
    before impairment losses/releases</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>4,996</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">5,373</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">(7.0%)</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,919</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">1,654</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">16.0%</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">1,561</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">22.9%</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">Impairment
    (losses)/releases</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>(293)</B></FONT></TD>
    <TD STYLE="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">(452)</FONT></TD>
    <TD STYLE="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">(35.2%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>(245)</B></FONT></TD>
    <TD STYLE="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">45</FONT></TD>
    <TD STYLE="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">nm</FONT></TD>
    <TD STYLE="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">(229)</FONT></TD>
    <TD STYLE="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">7.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4,703</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">4,921</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">(4.4%)</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,674</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">1,699</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">(1.5%)</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">1,332</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">25.7%</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">Tax
    charge</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>(1,232)</B></FONT></TD>
    <TD STYLE="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">(1,439)</FONT></TD>
    <TD STYLE="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">(14.4%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>(431)</B></FONT></TD>
    <TD STYLE="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">(462)</FONT></TD>
    <TD STYLE="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">(6.7%)</FONT></TD>
    <TD STYLE="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">(378)</FONT></TD>
    <TD STYLE="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">14.0%</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>Profit
    from continuing operations</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>3,471</B></FONT></TD>
    <TD STYLE="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">3,482</FONT></TD>
    <TD STYLE="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">(0.3%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>1,243</B></FONT></TD>
    <TD STYLE="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">1,237</FONT></TD>
    <TD STYLE="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">0.5%</FONT></TD>
    <TD STYLE="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">954</FONT></TD>
    <TD STYLE="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">30.3%</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>Profit/(loss)
    from discontinued operations, net of tax</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>12</B></FONT></TD>
    <TD STYLE="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">(138)</FONT></TD>
    <TD STYLE="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">(108.7%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>1</B></FONT></TD>
    <TD STYLE="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">15</FONT></TD>
    <TD STYLE="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">(93.3%)</FONT></TD>
    <TD STYLE="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">(30)</FONT></TD>
    <TD STYLE="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">(103.3%)</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,483</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">3,344</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">4.2%</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,244</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">1,252</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">(0.6%)</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">924</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">34.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; 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><A NAME="a_002"></A>Performance
    key metrics and ratios</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>&pound;102m</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">&pound;318m</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">nm</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(&pound;28m)</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">&pound;69m</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; 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; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(&pound;26m)</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">nm</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
    income excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>&pound;10,776m</B></FONT></TD>
    <TD STYLE="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;10,897m</FONT></TD>
    <TD STYLE="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">(1.1%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&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>&pound;3,772m</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: 8pt">&pound;3,590m</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: 8pt">5.1%</FONT></TD>
    <TD STYLE="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;3,514m</FONT></TD>
    <TD STYLE="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">7.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(1)</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>2.11%</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">2.17%</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">(6bps)</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2.18%</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">2.10%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8bps</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">2.05%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average interest earning
    assets</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)</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>&pound;526bn</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">&pound;519bn</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">1.3%</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>&pound;530bn</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">&pound;528bn</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.4%</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">&pound;521bn</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">1.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>52.8%</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">49.9%</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">2.9%</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>47.6%</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">52.7%</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">(5.1%)</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">51.4%</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">(3.8%)</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: 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="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16bps</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">(6bps)</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>25bps</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">(5bps)</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">30bps</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">24bps</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">1bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit attributable to
    ordinary shareholders</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>&pound;3,271m</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">&pound;3,165m</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">3.3%</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>&pound;1,172m</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">&pound;1,181m</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.8%)</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">&pound;866m</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">35.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>38.3p</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">34.1p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.2p</FONT></TD>
    <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: 8pt; color: #5A287D"><B>14.1p</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">13.7p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.4p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.8p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.3p</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">Return
    on tangible equity (RoTE)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>17.0%</B></FONT></TD>
    <TD STYLE="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">17.1%</FONT></TD>
    <TD STYLE="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">(0.1%)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; 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: 8pt; color: #5A287D"><B>18.3%</B></FONT></TD>
    <TD STYLE="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">18.5%</FONT></TD>
    <TD STYLE="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">(0.2%)</FONT></TD>
    <TD STYLE="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">14.7%</FONT></TD>
    <TD STYLE="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">3.6%</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">Climate
    and sustainable funding and financing</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="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>&pound;23.4bn</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: 8pt">&pound;20.6bn</FONT></TD>
    <TD STYLE="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">13.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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>&pound;7.1bn</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: 8pt">&pound;9.7bn</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: 8pt">(26.8%)</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: 8pt">&pound;4.6bn</FONT></TD>
    <TD STYLE="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">54.3%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 15pt">&nbsp;</FONT></P>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">nm = not meaningful.</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">For the footnotes 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: 8; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">Business performance 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 STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; vertical-align: bottom; 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 COLSPAN="5" 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>30
    September</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: 6pt">30
    June</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: 6pt">31
    December</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="5" 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>2024</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: 6pt">2024</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">Variance</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>
    <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">Variance</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 39%; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Balance
    sheet</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%; 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; width: 7%; 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="white-space: nowrap; vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">%</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 7%; 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="white-space: nowrap; vertical-align: bottom; width: 7%; border-bottom: black 1pt solid; 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">Total assets</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>711.9</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">690.3</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.1%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers -
    amortised cost</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>386.7</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">379.3</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.0%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(1,3)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>363.7</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">355.3</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.4%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; 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>397.0</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">388.9</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.1%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(4)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>3.6</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">3.3</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.1%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; 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">Expected credit loss
    (ECL) coverage ratio&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>0.89%</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">0.86%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3bps</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4bps)</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; 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>46.5</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">45.1</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.1%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>431.1</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">433.0</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.4%)</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1%)</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">Customer
    deposits excluding central items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,3)</FONT></TD>
    <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: 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>427.4</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: 8pt">425.2</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: 8pt">0.5%</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: 8pt">419.1</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: 8pt">2.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; 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>
    <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></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liquidity coverage ratio
    (LCR)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>148%</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">151%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3.0%)</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liquidity portfolio</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>226</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">227</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.4%)</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net stable funding ratio
    (NSFR)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>137%</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">139%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2.0%)</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; 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>84%</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">83%</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%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; 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">Total wholesale funding</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>89</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">83</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7.2%</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.3%</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">Short-term
    wholesale funding</FONT></TD>
    <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: 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>31</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: 8pt">27</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: 8pt">14.8%</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: 8pt">28</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: 8pt">10.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="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="white-space: nowrap; vertical-align: bottom; 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>
    <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></TR>
  <TR>
    <TD STYLE="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">(5)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>13.9%</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">13.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">30bps</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>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50bps</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(5)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>19.7%</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">19.5%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20bps</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">130bps</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(6)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>14.4%</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">14.1%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">30bps</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted assets
    (RWAs)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>181.7</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">180.8</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.5%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183.0</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.7%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">UK leverage ratio</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>5.0%</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">5.2%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.2%)</FONT></TD>
    <TD STYLE="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="white-space: nowrap; 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">Tangible net asset value
    (TNAV) per ordinary share&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,7)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>316p</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">304p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12p</FONT></TD>
    <TD STYLE="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="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24p</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">Number
    of ordinary shares in issue (millions)</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(7)</FONT></TD>
    <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: 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>8,293</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: 8pt">8,307</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: 8pt">(0.2%)</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: 8pt">8,792</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: 8pt">(5.7%)</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: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in">(1)</TD><TD>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.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>(2)</TD><TD>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.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>(3)</TD><TD>Central items includes Treasury repo activity and Ulster Bank Republic of Ireland.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>(4)</TD><TD>Includes &pound;0.1 billion relating to off-balance sheet exposures (30 June&nbsp;2024 &ndash; &pound;0.1 billion; 31
            December&nbsp;2023 &ndash; &pound;0.1 billion).</TD></TR>
<TR STYLE="vertical-align: top">
<TD>(5)</TD><TD>Refer to the Capital, liquidity and funding risk section for details of the basis of preparation.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>(6)</TD><TD>The pro forma CET1 ratio at 30 September&nbsp;2024 excludes foreseeable items of &pound;808 million for ordinary dividends
            (30 June&nbsp;2024 excludes foreseeable items of &pound;889 million: &pound;839 million for ordinary dividends and &pound;50
            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).</TD></TR>
<TR STYLE="vertical-align: top">
<TD>(7)</TD><TD>The number of ordinary shares in issue excludes own shares held.</TD></TR></TABLE>

<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="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B><A NAME="a_003"></A>Chief Financial Officer&rsquo;s
review</B></P>

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We delivered an operating profit of &pound;1,674 million in Q3 2024
with a return on equity of 12.3% and a RoTE of 18.3%. Total income of &pound;3.7 billion was up by 2.3%, on Q2 2024. Total income excluding
notable items of &pound;3.8 billion was up by 5.1% on Q2 2024.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Net loans to customers of &pound;386.7 billion increased by &pound;7.4
billion during Q3 2024. Net loans to customers excluding central items growth of &pound;8.4 billion was broad-based across Retail Banking,
Commercial&nbsp;&amp; Institutional customers and includes &pound;2.3 billion relating to the acquisition of the Metro Bank mortgage
portfolio.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Customer deposits of &pound;431.1 billion reduced by &pound;1.9 billion
in Q3 2024. Customer deposits excluding central items increased by &pound;2.2 billion in the quarter and our robust balance sheet means
that we remain in a strong liquidity position, with an LCR of 148% representing &pound;52.7 billion headroom above 100% minimum requirement,
an LDR of 90% and an LDR (excl. repos and reverse repos) of 84%. Also, our CET1 ratio remains within our targeted range at 13.9%.</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; text-align: justify; color: #5A287D"><B>Strong Q3 2024 performance</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            income increased by 2.3% in Q3 2024 to &pound;3,744 million compared with Q2 2024 and was
                                            7.3% higher than Q3 2023. Total income excluding notable items was &pound;182 million higher
                                            than Q2 2024, primarily reflecting lending and deposit growth, margin expansion and the benefit
                                            of an additional day in the quarter.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">NIM
                                            of 2.18% was 8 basis points higher than Q2 2024 primarily driven by expansion across deposits,
                                            as well as in funding and other items.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            operating expenses reduced by &pound;180 million compared with Q2 2024 and were &pound;102
                                            million lower than Q3 2023. Other operating expenses were &pound;144 million lower than Q2
                                            2024 primarily reflecting lower severance and other staff costs, costs incurred in relation
                                            to a retail share offering in the prior quarter and lower costs in relation to our withdrawal
                                            from the Republic of Ireland. Other operating expenses for the year to date were &pound;140
                                            million higher than the same period of 2023, or &pound;38 million (0.7%) higher excluding
                                            costs in relation to a retail share offering of &pound;24 million and additional bank levies
                                            of &pound;78 million. We remain committed to deliver on our full year cost guidance, excluding
                                            the impact of increased bank levies and costs in relation to a retail share offering.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A
                                            net impairment charge of &pound;245 million was incurred in Q3 2024, with higher Stage 3
                                            charges within Commercial&nbsp;&amp; Institutional. The year to date charge was &pound;293
                                            million or 10 basis points of gross customer loans. Levels of default remain stable for the
                                            year to date and at low levels across the portfolio. Compared with Q2 2024, our ECL provision
                                            increased by &pound;0.2 billion to &pound;3.6 billion and our ECL coverage ratio has increased
                                            from 0.86% to 0.89%. We retain post model adjustments of &pound;0.3 billion related to economic
                                            uncertainty, or 8.4% of total impairment provisions. Whilst we are comfortable with the strong
                                            credit performance of our book, we continue to assess this position regularly.</FONT></TD></TR></TABLE>

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

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<DIV STYLE="float: right; width: 48%"><TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top"><TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">As
                                            a result, we are pleased to report an attributable profit for Q3 2024 of &pound;1,172 million,
                                            with earnings per share of 14.1 pence, return on equity of 12.3% and a RoTE of 18.3%. The
                                            return on equity for the year to date was 11.6% and RoTE was 17.0%.</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B>Robust balance sheet with strong
capital and liquidity levels</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            loans to customers of &pound;386.7 billion increased by &pound;7.4 billion during Q3 2024.
                                            Net loans to customers excluding central items increased by &pound;8.4 billion, of which
                                            &pound;2.3 billion was in relation to the Metro Bank mortgage portfolio acquisition. The
                                            remaining &pound;6.1 billion increase in the quarter was primarily due to growth in Corporate&nbsp;&amp;
                                            Institutions, an increase in term loan facilities in Commercial Mid-market and a &pound;1.4
                                            billion increase in Retail Banking mortgage balances. UK Government scheme repayments were
                                            &pound;0.5 billion in the quarter.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Up
                                            to 30 September&nbsp;2024 we have provided &pound;85.4 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 Q3 2024 we provided &pound;7.1 billion climate and sustainable funding and financing,
                                            which included &pound;1.0 billion in lending for EPC A- and B-rated residential properties.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
                                            deposits of &pound;431.1 billion reduced by &pound;1.9 billion in Q3 2024. Customer deposits
                                            excluding central items increased &pound;2.2 billion in Q3 2024. Retail Banking deposits
                                            growth of &pound;0.5 billion and Private Banking of &pound;0.2 billion was as a result of
                                            increased savings balances, and Commercial&nbsp;&amp; Institutional deposits increased &pound;1.5
                                            billion reflecting growth within Commercial Mid-market. Term balances remained stable for
                                            the third quarter at 17% of the book, up from 16% at the end of 2023.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            LCR of 148%, representing &pound;52.7 billion headroom above 100% minimum requirement, decreased
                                            by 3 percentage points compared with Q2 2024 primarily due to increased lending (including
                                            the Metro Bank mortgage portfolio acquisition) partially offset by increased customer deposits
                                            and capital issuance. Our primary liquidity at Q3 2024 was &pound;162.3 billion and &pound;101.4
                                            billion, or 62%, of this was cash and balances at central banks. Total wholesale funding
                                            increased by &pound;6.0 billion in the quarter to &pound;88.9 billion.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">NAV
                                            per share increased by 13 pence in Q3 2024 to 408 pence. TNAV per share increased by 12 pence
                                            in Q3 2024 to 316 pence primarily reflecting the profit for the period and a c.&pound;0.45
                                            billion movement in cashflow hedging reserves partially offset by the interim dividend payment.</FONT></TD></TR></TABLE>

<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 0pt 0.25in; text-align: justify; color: #5A287D"><B>Strong returns driving
strong capital generation</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="padding-bottom: 5pt; width: 0"></TD><TD STYLE="padding-bottom: 5pt; width: 0.25in"><FONT STYLE="color: #42145F">-</FONT></TD><TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
                                            CET1 ratio of 13.9% was 30 basis points higher than Q2 2024 principally reflecting the attributable
                                            profit for the quarter, c.65 basis points, partially offset by the increase in RWAs, c.10
                                            basis points, and the ordinary dividend accrual, c.25 basis points.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs
                                            increased by &pound;0.9 billion in the third quarter to &pound;181.7 billion largely reflecting
                                            lending growth and &pound;0.9 billion in relation to the Metro Bank mortgage portfolio acquisition
                                            partially offset by RWA management of &pound;1.3 billion.</FONT></TD></TR></TABLE>

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

</DIV>

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</DIV>

<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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Business performance summary</B></P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 12pt"><A NAME="a_004"></A>Retail
Banking</FONT></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="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</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 56%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</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">2024</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="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">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>1,459</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,365</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,442</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(659)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(697)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(780)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;<I>of
    which: Other operating expenses</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>(656)</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(690)</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></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment 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>(144)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(59)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(169)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>656</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">609</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">493</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</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">Return on equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>21.4%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.3%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(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>2.43%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.31%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.37%</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; 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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>45.0%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50.5%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50.0%</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">Loan
    impairment rate&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>28bps</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">12bps</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">33bps</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>&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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="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="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">2024</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="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="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers
    (amortised cost)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>207.4</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">203.3</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">205.2</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>192.0</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">191.5</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">188.0</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">RWAs</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>64.8</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">62.3</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">61.6</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 8pt">&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">(1)</TD><TD>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.</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">In Q3 2024, Retail Banking continued to support customers with increased
mortgage lending and unsecured lending growth. In addition, lending increased &pound;2.3 billion as a result of the Metro Bank mortgage
portfolio acquisition. We delivered a return on equity of 21.4% and an operating profit of &pound;0.7 billion, with positive income momentum
and increased net interest margin from deposit margin expansion.</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">Retail Banking provided &pound;0.9 billion of climate and sustainable
funding and financing in Q3 2024 from lending on properties with an EPC rating of A or B.&nbsp;</P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Q3 2024 performance</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            income was &pound;94 million, or 6.9%, higher than Q2 2024 reflecting deposit margin expansion,
                                            lending growth and the impact of an additional day in the quarter. Q3 2024 total income was
                                            &pound;17 million or 1.2% higher than Q3 2023 due to deposit margin expansion and lending
                                            growth, partly offset by asset margin compression and the impact of a deposit balance mix
                                            shift from current accounts to savings.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            interest margin was 12 basis points higher than Q2 2024 largely reflecting deposit margin
                                            expansion and benefits from treasury activity.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
                                            expenses of &pound;659 million were &pound;38 million, or 5.5%, lower than Q2 2024 and &pound;121
                                            million, or 15.5% lower than Q3 2023. Other operating expenses were &pound;34 million, or
                                            4.9%, lower than Q2 2024 reflecting savings from a 3.2% reduction in headcount in the quarter,
                                            as well as severance and property exit costs. Other operating expenses were &pound;65 million,
                                            or 9.0%, lower than Q3 2023 reflecting savings from a 9.0% reduction in headcount and non-repeat
                                            of property disposal losses in Q3 2023.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            impairment charge of &pound;144 million, compared with a &pound;59 million charge in Q2 2024,
                                            largely reflecting lower good book releases.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Net loans
                                            to customers increased by &pound;4.1 billion, or 2.0%, driven by &pound;3.7 billion higher
                                            mortgage balances including &pound;2.3 billion related to the Metro Bank mortgage portfolio
                                            acquisition and an underlying &pound;1.4 billion increase in net mortgage lending. Personal
                                            advances increased by &pound;0.2 billion and cards balances increased by &pound;0.3 billion
                                            in Q3 2024.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Customer
                                            deposits increased by &pound;0.5 billion, or 0.3%, in Q3 2024 reflecting growth in savings
                                            partly offset by a reduction in current account balances.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 9pt 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">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">RWAs increased
                                            by &pound;2.5 billion, or 4.0%, in the quarter primarily due to book movements and including
                                            the impact of the Metro Bank mortgage portfolio acquisition.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

<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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Business performance summary continued</P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_005"></A><FONT STYLE="font-size: 12pt">Private
Banking</FONT></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="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</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 56%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</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">2024</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">&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="border-top: black 1pt solid; 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>253</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">236</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">214</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(166)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(175)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(157)</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:
    Other operating expenses</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>(166)</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(175)</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(157)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment releases/(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>3</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">2</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>90</B></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">59</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</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">Return on equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>19.7%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.4%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(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>2.50%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.30%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.15%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio&nbsp;</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">&nbsp;&nbsp; (excl. litigation
    and conduct)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>65.6%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">74.2%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">73.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; 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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(7)bps</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(11)bps</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4)bps</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">AUMA
    net flows (&pound;bn)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,2)</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>0.9</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">1.0</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">0.2</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>&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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="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="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">2024</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">&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="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>18.2</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.1</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.5</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>39.7</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39.5</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.7</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.0</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.2</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under management
    (AUMs)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>35.7</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">34.7</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31.7</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under administration
    (AUAs)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>10.8</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10.4</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.1</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under management
    and</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; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;
    administration (AUMA)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>46.5</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">45.1</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">40.8</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 6pt">&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">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of basis
                                            of preparation and reconciliation of non-IFRS financial measures and performance metrics.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>AUM net flows were previously reported.</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">In Q3 2024, Private Banking continued to support customers with an increase
in AUMA balances reflecting net inflows of &pound;0.9 billion. Private Banking delivered a return on equity of 19.7% and an operating
profit of &pound;90 million.</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">Private Banking provided &pound;0.2 billion of climate and sustainable
funding and financing in Q3 2024, principally in relation to mortgages on residential properties with an EPC rating of A or B and wholesale
transactions.</P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Q3 2024 performance</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            income was &pound;17 million, or 7.2% higher than Q2 2024 primarily driven by deposit margin
                                            expansion and higher AUMA balances driving an increase in investment fee income. Q3 2024
                                            total income was &pound;39 million, or 18.2%, higher than Q3 2023 primarily reflecting deposit
                                            margin expansion and higher AUMA balances driving an increase in investment fee income, partly
                                            offset with the impact of deposit mix changes as customers migrated from current account
                                            accounts to savings products offering higher returns, combined with a reduction in lending
                                            volumes.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            interest margin was 20 basis points higher than Q2 2024 largely reflecting deposit margin
                                            expansion and benefits from treasury activity.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
                                            expenses of &pound;166 million were &pound;9 million, or 5.1%, lower than Q2 2024 and &pound;9
                                            million, or 5.7% higher than Q3 2023. Other operating expenses were &pound;9 million, or
                                            5.1%, lower than Q2 2024 primarily due to lower severance costs. Q3 2024 other operating
                                            expenses were &pound;9 million, or 5.7%, higher than Q3 2023 primarily reflecting increased
                                            investment spend.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            impairment release of &pound;3 million, compared with a &pound;5 million release in Q2 2024,
                                            largely reflecting a reduction in good book releases, with Stage 3 charges broadly flat and
                                            remaining at low levels.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            loans to customers were broadly stable compared with Q2 2024 with gross new mortgage lending
                                            offset by redemptions.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
                                            deposits increased by &pound;0.2 billion, or 0.5%, in Q3 2024 reflecting growth in instant
                                            access savings, partially offset by lower current account balances.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AUMA
                                            increased by &pound;1.4 billion in Q3 2024, reflecting AUMA net inflows of &pound;0.9 billion
                                            and &pound;0.5 billion of positive market movements.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>




<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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Business performance summary continued</P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 12pt"><A NAME="a_006"></A>Commercial&nbsp;&amp;
Institutional</FONT></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="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</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 56%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</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">2024</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="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">Net interest 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>1,392</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,297</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,271</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">Non-interest
    income</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>679</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">644</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">570</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
    income</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>2,071</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">1,941</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">1,841</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</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">Operating expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(945)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,099)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,012)</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:
    Other operating expenses</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>(911)</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(1,053)</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(960)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment releases/(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>(109)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">96</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(59)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,017</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">938</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">770</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</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">Return on equity&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>19.9%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.8%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="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">(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>2.24%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.12%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.07%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio&nbsp;</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">&nbsp;&nbsp; (excl. litigation
    and conduct)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>44.0%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54.3%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52.1%</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">Loan
    impairment rate&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>31bps</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">(28)bps</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">18bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 5pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 5pt">&nbsp;</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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="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="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">2024</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="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="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers
    (amortised cost)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>138.1</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">133.9</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131.9</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>195.7</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">194.2</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">193.4</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>331.1</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">315.5</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">306.9</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">RWAs</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>104.0</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">104.9</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">107.4</FONT></TD></TR>
  </TABLE>
<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>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.</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">In Q3 2024, Commercial&nbsp;&amp; Institutional continued to support
customers with an increase in lending of 3.1% and delivered a strong performance in income and operating profit supporting a return on
equity of 19.9%. We continued to see good client demand for lending and net interest margin expansion supporting overall improved profitability.</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">Commercial&nbsp;&amp; Institutional provided &pound;6.0 billion of climate
and sustainable funding and financing in Q3 2024 to support customers investing in the transition to net zero.</P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Q3 2024 performance</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 8.5pt; color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            income was &pound;130 million, or 6.7%, higher than Q2 2024 principally reflecting deposit
                                            margin expansion, customer lending growth and the impact of an additional day in the quarter.
                                            Total income was &pound;230 million, or 12.5%, higher than Q3 2023 primarily due to deposit
                                            margin expansion, strong customer activity in capital markets and customer lending growth.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 8.5pt; color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            interest margin was 12 basis points higher than Q2 2024 largely reflecting deposit margin
                                            expansion and benefits from treasury activity.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 8.5pt; color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating
                                            expenses of &pound;945 million were &pound;154 million, or 14.0%, lower than Q2 2024 and
                                            &pound;67 million, or 6.6% lower than Q3 2023. Other operating expenses were &pound;142 million,
                                            or 13.5%, lower than Q2 2024 reflecting reduced severance costs and benefit of VAT recovery.
                                            Other operating expenses were &pound;49 million, or 5.1%, lower than Q3 2023 primarily due
                                            to a VAT recovery benefit.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 8.5pt; color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            impairment charge of &pound;109 million compared with a &pound;96 million release in Q2 2024,
                                            reflecting the non-repeat of good book releases in Q2 2024 and higher Stage 3 charges in
                                            Q3 2024.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 8.5pt; color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            loans to customers increased by &pound;4.2 billion, or 3.1%, in Q3 2024 principally due to
                                            growth within Corporate&nbsp;&amp; Institutions and an increase in term loan facilities within
                                            Commercial Mid-market, partly offset by UK Government scheme repayments of &pound;0.5 billion.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 8.5pt; color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
                                            deposits increased by &pound;1.5 billion, or 0.8%, in Q3 2024 largely reflecting growth in
                                            Commercial Mid-market.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 8.5pt; color: #42145F">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs
                                            decreased by &pound;0.9 billion, or 0.9%, compared with Q2 2024 primarily due to continued
                                            RWA management activity of &pound;1.2 billion and foreign exchange benefits, partially offset
                                            by lending book growth and a small increase in market risk and counterparty credit risk.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>




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

<!-- Field: Split-Segment; Name: b -->
<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">Business performance summary continued</P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)"><FONT STYLE="font-size: 12pt"><A NAME="a_007"></A>Central
                                     items&nbsp;&amp; other</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="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</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</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">2024</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; 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; 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; 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="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Continuing
    operations</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    income</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>(39)</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">117</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(9)</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating
    expenses&nbsp;</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)</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">(34)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22</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:
    Other operating expenses</I></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><I>(51)</I></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"><I>(10)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>45</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:
    Ulster Bank RoI direct expenses</I></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><I>(14)</I></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"><I>(30)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(43)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment releases/(losses)</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>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">3</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</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">Operating
    (loss)/profit</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>(89)</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: 8pt">86</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: 8pt">10</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</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: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>As
    at</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid">&nbsp;</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>30
    September</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">30
    June</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></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">2024</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; 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="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></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers (amortised cost)</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>23.0</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">24.0</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.8</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits</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>3.7</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">7.8</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.3</FONT></TD></TR>
  <TR>
    <TD STYLE="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">RWAs</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>1.9</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: 8pt">2.6</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: 8pt">2.8</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Q3 2024 performance</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 3pt"><B>&nbsp;</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="color: #42145F">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            income was &pound;156 million lower than Q2 2024 primarily reflecting foreign exchange recycling
                                            losses and lower gains on interest and foreign exchange risk management derivatives not in
                                            accounting hedge relationships and lower income in relation to our Ulster Bank RoI business.
                                            Total income was &pound;30 million lower than Q3 2023 primarily reflecting foreign exchange
                                            recycling losses and lower gains on interest and foreign exchange risk management derivatives
                                            not in accounting hedge relationships partially offset with losses associated with property
                                            lease terminations in Q3 2023 not repeated in Q3 2024.</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" WIDTH="100%" STYLE="font: 9pt 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">-</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Customer deposits
                                            decreased by &pound;4.1 billion, or 52.6%, compared with Q2 2024 primarily reflecting repo
                                            activity in Treasury.</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" WIDTH="100%" STYLE="font: 9pt 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">-</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Net loans to customers
                                            decreased &pound;1.0 billion to &pound;23.0 billion in Q3 2024 mainly due to reverse repo
                                            activity in Treasury.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

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

<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B><A NAME="a_008"></A>Segment performance</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="background-color: white">&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>Nine
    months ended 30 September&nbsp;2024</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 50%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 10%; 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="width: 10%; 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="width: 10%; 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="width: 10%; 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="width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Total
    NatWest</B></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>Banking</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>Banking</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>Institutional</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>&nbsp;&amp;
    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>Group</B></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>&pound;m</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: #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: #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: #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>Continuing
    operations</B></FONT></TD>
    <TD COLSPAN="5" 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; color: #5A287D"><B>Income
    statement&nbsp;</B></FONT></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    interest 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>3,825</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>455</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,935</B></FONT></TD>
    <TD STYLE="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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>8,307</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own
    credit adjustments</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>(5)</B></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)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    non-interest income</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>324</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>242</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>1,941</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>69</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>2,576</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
    income&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>4,149</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>697</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>5,871</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>161</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>10,878</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Direct expenses</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>(586)</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>(190)</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>(1,120)</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>(3,844)</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>(5,740)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect
    expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1,527)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(331)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1,864)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,722</B></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></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</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>(2,113)</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>(521)</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>(2,984)</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>(122)</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>(5,740)</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">Litigation
    and conduct costs</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>(16)</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>(1)</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>(111)</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>(14)</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>(142)</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>Operating
    expenses</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>(2,129)</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>(522)</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>(3,095)</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>(136)</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>(5,882)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit before
    impairment losses/releases&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>2,020</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>175</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2,776</B></FONT></TD>
    <TD STYLE="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="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></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    (losses)/releases</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>(266)</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>14</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>(52)</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>(293)</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>Operating
    profit</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>1,754</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>189</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>2,724</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>36</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>4,703</B></FONT></TD></TR>
  <TR>
    <TD STYLE="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></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Income
    excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>4,149</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>697</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>5,876</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>54</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>10,776</B></FONT></TD></TR>
  <TR>
    <TD STYLE="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></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Additional
    information</B></FONT></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>17.0%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>19.4%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>13.6%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>17.4%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; 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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>50.9%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>74.7%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>50.8%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>52.8%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    assets (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>231.1</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>27.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>398.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>54.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>711.9</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>231.1</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>27.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>331.1</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>53.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>643.2</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>207.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>18.2</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>138.1</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>23.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>386.7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; 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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>17bps</B></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)bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>5bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>10bps</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.9)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.1)</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>(1.6)</B></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>(3.6)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.1)</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.0)</B></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>(2.1)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>192.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>39.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>195.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>431.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted
    assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>64.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>104.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>181.7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA
    equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>65.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>105.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>184.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee
    numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>12.2</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>2.2</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>12.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>32.5</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>59.7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3.95%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4.99%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6.74%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(2.08%)</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>(3.15%)</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>(1.92%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><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;(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>220.5</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>26.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>244.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>526.2</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; 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">(1)</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>2.32%</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>2.29%</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>2.15%</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>na</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>2.11%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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"><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">(1)</TD><TD>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.</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: 15; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Segment performance continued</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></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="5" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Nine
    months ended 30 September&nbsp;2023</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total NatWest</FONT></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">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Institutional</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;&amp; other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group</FONT></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">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="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 STYLE="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="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Income statement&nbsp;</B></FONT></TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,242</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">572</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,775</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(178)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,411</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own
    credit adjustments</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">3</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">3</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">320</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">209</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,811</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">461</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,801</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Total income&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,562</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">781</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,589</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">283</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11,215</FONT></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">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(604)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(181)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,118)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,697)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,600)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect
    expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,460)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(287)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,735)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,482</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></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">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,064)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(468)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,853)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(215)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,600)</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">Litigation and
    conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(83)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(11)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(146)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(242)</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>Operating
    expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,147)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(479)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,999)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(217)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,842)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit before impairment losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,415</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">302</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,590</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,373</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">Impairment losses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(362)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(9)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(79)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(452)</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>Operating
    profit</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,053</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">293</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,511</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">64</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,921</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Income
    excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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">4,562</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">781</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">5,586</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">(32)</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">10,897</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Additional information</B></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="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.1%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.9%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    assets (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">229.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">411.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">717.1</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">229.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">325.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">48.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">629.6</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">205.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">130.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">377.3</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.5)</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">(3.5)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.1)</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">(0.8)</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">(1.9)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">184.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">201.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">435.9</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted
    assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">58.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">107.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">181.6</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA
    equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">58.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">109.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183.5</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee
    numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.13%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.43%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.98%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.24%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.88%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.23%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average
    interest earning assets (&pound;bn)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">221.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">27.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">244.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">519.2</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><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">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.56%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.80%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.07%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.17%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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"><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">(1)</TD><TD>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.</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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Segment performance 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="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>Quarter
    ended 30 September&nbsp;2024</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 50%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 10%; 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="width: 10%; 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="width: 10%; 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="width: 10%; 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="width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Total
    NatWest</B></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>Banking</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>Banking</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>Institutional</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>&nbsp;&amp;
    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>Group</B></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: #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></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: #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>Income
    statement&nbsp;</B></FONT></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    interest 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>1,350</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>170</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,392</B></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>2,899</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own
    credit adjustments</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>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>-</B></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></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    non-interest income</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>109</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>83</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>677</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>(26)</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>843</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
    income&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>1,459</B></FONT></TD>
    <TD STYLE="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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2,071</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(39)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,744</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">Direct
    expenses</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>(205)</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>(64)</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>(356)</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>(1,159)</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>(1,784)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect
    expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(451)</B></FONT></TD>
    <TD STYLE="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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(555)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,108</B></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></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    operating expenses</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>(656)</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>(166)</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>(911)</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>(51)</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>(1,784)</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">Litigation
    and conduct costs</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; 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>(34)</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>(4)</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>(41)</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>Operating
    expenses</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>(659)</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>(166)</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>(945)</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>(55)</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>(1,825)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-size: 8pt">Operating profit/(loss) before impairment losses/releases</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>800</B></FONT></TD>
    <TD STYLE="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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,126</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(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>1,919</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">Impairment
    (losses)/releases</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>(144)</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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(109)</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>5</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>(245)</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>Operating
    profit/(loss)</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>656</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>90</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>1,017</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>(89)</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>1,674</B></FONT></TD></TR>
  <TR>
    <TD STYLE="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></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Income
    excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>1,459</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>253</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>2,069</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>(9)</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>3,772</B></FONT></TD></TR>
  <TR>
    <TD STYLE="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></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Additional
    information</B></FONT></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>18.3%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>21.4%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>19.7%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>19.9%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; 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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>45.0%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>65.6%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>44.0%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>47.6%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    assets (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>231.1</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>27.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>398.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>54.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>711.9</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>231.1</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>27.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>331.1</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>53.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>643.2</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>207.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>18.2</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>138.1</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>23.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>386.7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; 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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>28bps</B></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)bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>31bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>25bps</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.9)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.1)</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>(1.6)</B></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>(3.6)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.1)</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.0)</B></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>(2.1)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>192.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>39.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>195.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>431.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted
    assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>64.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>104.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>181.7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA
    equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>65.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>105.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>184.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee
    numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>12.2</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>2.2</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>12.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>32.5</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>59.7</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: white 1pt solid; background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4.09%</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>5.01%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6.67%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(2.10%)</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>(3.16%)</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>(1.91%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average
    interest earning assets (&pound;bn)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>221.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>27.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>246.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>529.8</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; 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">(1)</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>2.43%</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>2.50%</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>2.24%</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>na</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>2.18%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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"><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">(1)</TD><TD>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.</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: 17; 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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Segment performance 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="5" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter
    ended 30 June&nbsp;2024</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total NatWest</FONT></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">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Institutional</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;&amp; other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group</FONT></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">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="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 STYLE="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 COLSPAN="5" STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Income statement&nbsp;</B></FONT></TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,259</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">151</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,297</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,757</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own
    credit adjustments</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">(2)</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">(2)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">106</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">85</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">646</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">67</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">904</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Total income&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,365</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">236</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,941</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">117</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,659</FONT></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">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(192)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(65)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(380)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,291)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,928)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect
    expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(498)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(110)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(673)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,281</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></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">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(690)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(175)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,053)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(10)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,928)</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">Litigation and
    conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(7)</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="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(46)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(24)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(77)</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>Operating
    expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(697)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(175)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,099)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,005)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit before impairment losses/releases&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">668</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">842</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">83</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,654</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">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(59)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">96</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45</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>Operating
    profit</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">609</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">938</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">86</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,699</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Income
    excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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">1,365</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">236</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">1,943</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">46</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">3,590</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Additional information</B></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="border-top: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.5%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">74.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54.3%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52.7%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    assets (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">226.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">27.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">381.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">690.3</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">226.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">27.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">315.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">53.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">622.8</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">203.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">133.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">379.3</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(11)bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(28)bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.5)</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">(3.3)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.0)</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">(0.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2.0)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">191.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">194.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">433.0</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted
    assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">62.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">104.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">180.8</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA
    equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">63.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">106.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183.9</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee
    numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60.6</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.97%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.01%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.73%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2.10%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3.15%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.93%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average
    interest earning assets (&pound;bn)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">219.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">246.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">527.6</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><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">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.31%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.30%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.12%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.10%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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"><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">(1)</TD><TD>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.</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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<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">Segment performance 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="5" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter
    ended 30 September&nbsp;2023</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total NatWest</FONT></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">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Institutional</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;&amp; other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <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></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>&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; color: #5A287D"><B>Income statement&nbsp;</B></FONT></TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,334</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">144</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,271</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(64)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,685</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own
    credit adjustments</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">(6)</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">(6)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">108</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">70</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">576</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">809</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Total income&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,442</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">214</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,841</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,488</FONT></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">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(206)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(63)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(377)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,147)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,793)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Indirect
    expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(515)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(94)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(583)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,192</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></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">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(721)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(157)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(960)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,793)</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">Litigation and
    conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(59)</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="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(52)</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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(134)</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>Operating
    expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(780)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(157)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,012)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,927)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit before impairment losses/releases</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">662</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">829</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">1,561</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">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(169)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(59)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(229)</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>Operating
    profit&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">493</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">770</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,332</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Income
    excluding notable items&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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">1,442</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">214</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">1,847</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">11</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">3,514</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Additional information</B></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="border-top: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.7%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">50.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">73.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52.1%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.4%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    assets (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">229.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">411.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">717.1</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">229.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">325.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">48.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">629.6</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net
    loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">205.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">130.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">377.3</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4)bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.5)</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">(3.5)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.1)</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">(0.8)</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">(1.9)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">184.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">201.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">435.9</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted
    assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">58.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">107.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">181.6</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWA
    equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">58.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">109.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183.5</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Employee
    numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-left: white 1pt solid"><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.34%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.80%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.72%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.69%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2.80%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.65%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average
    interest earning assets (&pound;bn)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">223.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">243.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">520.8</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><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">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.37%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.15%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.07%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.05%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></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"><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">(1)</TD><TD>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.</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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Risk and capital management</B></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: rgb(90,40,125)"><FONT STYLE="font-size: 12pt"><A NAME="a_009"></A>Credit
risk&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B><A NAME="a_010"></A>Segment
analysis &ndash; portfolio summary</B>&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows gross loans and 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"><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="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>30
    September&nbsp;2024</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December&nbsp;2023</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 35%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 6%; 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="width: 6%; 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="width: 7%; 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="width: 7%; 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="width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="width: 6%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</FONT></TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central
    items</FONT></TD>
    <TD STYLE="width: 6%; background-color: white">&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>Banking</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>Banking</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>Institutional</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>&amp;
    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: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Institutional</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&amp;
    other</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Total</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>&pound;m</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: #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: #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: #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; background-color: white">&nbsp;</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>
    <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>
    <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="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 COLSPAN="5" STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="border-top: black 1pt solid; background-color: white">&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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>181,930</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>17,236</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>127,115</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>26,874</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>353,155</B></FONT></TD>
    <TD STYLE="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">182,297</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">17,565</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">119,047</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">29,677</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">348,586</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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>23,599</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>849</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>13,319</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>-</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>37,767</B></FONT></TD>
    <TD STYLE="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">21,208</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">906</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">15,771</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</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">37,891</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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,359</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>304</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>2,457</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>-</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>6,120</B></FONT></TD>
    <TD STYLE="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">3,133</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">258</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">2,162</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">10</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">5,563</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="white-space: 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>235</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>1,231</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>1,466</I></B></FONT></TD>
    <TD STYLE="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>-</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>186</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>845</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>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>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>3,359</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>69</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>1,226</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>4,654</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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"><I>3,133</I></FONT></TD>
    <TD STYLE="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"><I>72</I></FONT></TD>
    <TD STYLE="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"><I>1,317</I></FONT></TD>
    <TD STYLE="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"><I>10</I></FONT></TD>
    <TD STYLE="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"><I>4,532</I></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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>208,888</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>18,389</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>142,891</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>26,874</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>397,042</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">206,638</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18,729</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">136,980</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29,693</FONT></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="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 COLSPAN="3" 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>-</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 COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">67</FONT></TD>
    <TD STYLE="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">67</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&nbsp;</FONT></TD>
    <TD COLSPAN="3" 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>26,874</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>397,042</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">29,760</FONT></TD>
    <TD STYLE="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">392,107</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 COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="background-color: white">&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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>297</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>15</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>273</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>15</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>600</B></FONT></TD>
    <TD STYLE="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">306</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">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">356</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">27</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">709</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2&nbsp;</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>478</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>10</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>326</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</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>815</B></FONT></TD>
    <TD STYLE="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">502</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">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">447</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">7</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">976</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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,089</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>37</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>1,012</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>-</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>2,138</B></FONT></TD>
    <TD STYLE="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">1,097</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">34</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">819</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">10</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">1,960</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="white-space: 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>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>446</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>483</I></B></FONT></TD>
    <TD STYLE="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>-</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>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>298</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>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>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>1,089</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>566</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>1,655</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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"><I>1,097</I></FONT></TD>
    <TD STYLE="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"><I>-</I></FONT></TD>
    <TD STYLE="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"><I>521</I></FONT></TD>
    <TD STYLE="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"><I>10</I></FONT></TD>
    <TD STYLE="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"><I>1,628</I></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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,864</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>62</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>1,611</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>16</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>3,553</B></FONT></TD>
    <TD STYLE="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">1,905</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">74</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">1,622</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">44</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">3,645</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 COLSPAN="3" 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>-</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 COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">36</FONT></TD>
    <TD STYLE="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">36</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&nbsp;</FONT></TD>
    <TD COLSPAN="3" 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>16</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>3,553</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">80</FONT></TD>
    <TD STYLE="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">3,681</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&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D">(4)</FONT></B></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="background-color: white">&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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>0.16</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>0.09</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>0.21</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>0.06</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>0.17</B></FONT></TD>
    <TD STYLE="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">0.17</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">0.11</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">0.30</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">0.09</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></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2 (%)</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>2.03</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>1.18</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>2.45</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>nm</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>2.16</B></FONT></TD>
    <TD STYLE="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">2.37</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">2.21</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">2.83</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">nm</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">2.58</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="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>32.42</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>12.17</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>41.19</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>-</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>34.93</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">35.01</FONT></TD>
    <TD STYLE="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">13.18</FONT></TD>
    <TD STYLE="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">37.88</FONT></TD>
    <TD STYLE="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">100.00</FONT></TD>
    <TD STYLE="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">35.23</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="white-space: 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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>0.34</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>1.13</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>0.06</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="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">0.92</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">0.40</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">1.18</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">0.15</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">0.93</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 COLSPAN="3" 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>-</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>-</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">53.73</FONT></TD>
    <TD STYLE="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">53.73</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&nbsp;</FONT></TD>
    <TD COLSPAN="3" 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>0.06</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>0.89</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">0.27</FONT></TD>
    <TD STYLE="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">0.94</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"><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">(1)</TD><TD>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;104.7 billion (31 December&nbsp;2023
                                            &ndash; &pound;103.1 billion) and debt securities of &pound;61.3 billion (31 December&nbsp;2023
                                            &ndash; &pound;50.1 billion).</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>Fair value through other comprehensive income (FVOCI). Includes loans
                                            to customers and banks.</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">(3)</TD><TD>Includes &pound;4 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.</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">(4)</TD><TD>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.</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>

<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>

<!-- Field: Split-Segment; Name: c -->
<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">Risk and capital management continued</P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)">Credit risk continued</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B><A NAME="a_011"></A>Segment
analysis - loans</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Retail
                                            Banking</B> &ndash; Loans to customers increased during the year as a result of continued
                                            growth in credit card lending and the &pound;2.3 billion Metro Bank mortgage portfolio acquisition.
                                            Excluding the acquisition, mortgage balances reduced as redemptions were only partially offset
                                            by new lending. New lending and portfolio credit quality was maintained with limited increases
                                            in arrears, in-line with expectations. Total ECL coverage decreased during the year reflective
                                            of Q2 2024 debt sale activity on unsecured portfolios (&pound;0.2 billion of assets), reductions
                                            in economic uncertainty post model adjustments, and stable underlying portfolio performance.
                                            The reduction in good book coverage so far this year was a result of unsecured PD modelling
                                            updates alongside an improved view on forward looking economics since 31 December 2023. Post
                                            model adjustments to capture increased affordability pressures on customers due to high inflation
                                            and interest rates decreased at Q2 2024, reflecting a revision of portfolio sub-segments
                                            deemed most at risk, supported by back-testing of default outcomes. Flow rates into Stage
                                            3 reduced during H1 2024 and have remained consistent into Q3 2024.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Commercial&nbsp;&amp;
                                            Institutional</B> &ndash; Growth in the first three quarters of 2024 was principally driven
                                            by financial institutions and a number of corporate sectors including commercial real estate.
                                            Sector appetite continues to be reviewed regularly, with particular focus on sector clusters
                                            deemed to represent a heightened risk. Total ECL coverage reduced during the year reflecting
                                            increased Stage 1 exposure and positive portfolio performance. Good book coverage improved
                                            due to portfolio growth and performance along with a reduction in post model adjustments.
                                            Stage 3 ECL increased due to flows into default on individually assessed customers.</FONT></TD></TR></TABLE>

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

</DIV>

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

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B><A NAME="a_012"></A>Movement
in ECL provision</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 3pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The table below shows the main ECL provision movements during the year.</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: 86%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 14%; 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="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="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>3,645</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Transfers to disposal
    groups and reclassifications</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)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes in economic forecasts</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>
    <TD STYLE="background-color: white"><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="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(124)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes in risk metrics
    and exposure: Stage 3</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>592</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><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="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(135)</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">Write-offs
    and other</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>(390)</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>At
    30 September&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>3,553</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For
                                            the nine months to 30 September&nbsp;2024, overall ECL decreased. This primarily reflected
                                            debt sale activity on Retail Banking unsecured assets (&pound;0.2 billion), reductions in
                                            economic uncertainty post model adjustments, and stable underlying portfolio performance
                                            across NatWest Group. There was a slight reduction in total ECL coverage alongside increases
                                            in Stage 3 ECL.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">In
                                            the Personal portfolio, Stage 3 default inflows in 2024 reduced relative to 2023, as the
                                            recent trends of risk parameter normalisation stabilise.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">In
                                            the Non-personal portfolio, Stage 3 charges have started to normalise driven by individual
                                            exposures. The total number of defaults has increased in 2024 but is still lower than historical
                                            trends.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Judgemental
                                            ECL post model adjustments decreased from 31 December&nbsp;2023. This reflected management&rsquo;s
                                            view that the level of economic uncertainty due to inflation being higher for longer, higher
                                            interest rates and liquidity concerns, has reduced and now represents 9% of total ECL (31
                                            December&nbsp;2023 &ndash; 13%). Refer to the ECL post model adjustments section.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>


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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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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; text-align: justify; color: rgb(90,40,125)">Credit risk continued</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)"><A NAME="a_013"></A><FONT STYLE="font-size: 2.25pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>ECL post model adjustments</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 1.25pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 8.5pt 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="background-color: white">&nbsp;</TD>
    <TD COLSPAN="2" 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>Retail
    Banking</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: 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; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 33%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; 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="white-space: nowrap; vertical-align: bottom; width: 11%; 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: bottom; width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 11%; 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; width: 11%; 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; width: 11%; 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; vertical-align: bottom; 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 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>30
    September&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: 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>
    <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: 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>
    <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; 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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred model calibrations</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>-</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>-</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</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>17</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>-</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>18</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Economic uncertainty</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>80</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>43</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>7</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>169</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>299</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other 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>-</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>
    <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</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>10</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid"><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>80</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>43</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>8</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>196</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>-</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>327</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Of which:</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>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 1</I></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><I>38</I></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><I>21</I></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><I>4</I></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><I>82</I></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><I>-</I></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><I>145</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 2</I></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><I>33</I></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><I>22</I></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><I>4</I></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><I>112</I></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><I>-</I></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><I>171</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-
    Stage 3</I></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><I>9</I></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>-</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>-</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><I>2</I></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><I>-</I></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><I>11</I></B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="8" STYLE="white-space: nowrap">&nbsp;</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">31
    December&nbsp;2023</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">&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">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred model calibrations</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></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">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">23</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Economic uncertainty</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">118</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39</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">256</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">429</FONT></TD></TR>
  <TR>
    <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="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</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">-</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">-</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</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">23</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">32</FONT></TD></TR>
  <TR>
    <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="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">119</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">39</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">14</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">287</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">26</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">485</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Of which:</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></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 1</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>75</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">&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>115</I></FONT></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>220</I></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>- Stage 2</I></FONT></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>25</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>8</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>167</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>240</I></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>-
    Stage 3</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>-</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>-</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>7</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>25</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: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Retail
                                            Banking</B> &ndash;The post model adjustment for economic uncertainty of &pound;123 million
                                            (31 December 2023 &ndash; &pound;157 million) remained largely in-line with Q2 2024. The
                                            reduction relative to the 2023 year-end reflected a revision to the cost of living post model
                                            adjustment at Q2 2024 and is currently held at &pound;114 million (31 December 2023 &ndash;
                                            &pound;144 million). This update was supported by back-testing of default outcomes for higher
                                            risk segments. 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"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Commercial&nbsp;&amp;
                                            Institutional</B> &ndash; The post model adjustment for economic uncertainty decreased to
                                            &pound;169 million (31 December&nbsp;2023 &ndash; &pound;256 million). The inflation, supply
                                            chain and liquidity post model adjustment of &pound;138 million (31 December&nbsp;2023 &ndash;
                                            &pound;206 million) 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. While inflationary
                                            pressures are subsiding, geopolitical events could impact supply chains and there are ongoing
                                            concerns across many sectors in relation to reducing cash reserves. The &pound;68 million
                                            reduction reflected positive portfolio movements and exposure reduction.&nbsp;A &pound;30
                                            million (31 December&nbsp;2023 &ndash; &pound;50 million) post model adjustment to cover
                                            the residual risks from Covid-19 remains for the risks surrounding associated debt to customers
                                            that have utilised government support schemes. This adjustment is reducing as customers default
                                            or repay.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Central
                                            items&nbsp;&amp; other</B> &ndash;&nbsp;The &pound;26 million reduction was mainly due to
                                            the &pound;23 million post model adjustment in other adjustments being removed in the period,
                                            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>


<!-- Field: Page; Sequence: 22; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->22<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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; text-align: justify; color: rgb(90,40,125)">Credit risk continued</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B><A NAME="a_014"></A>Sector
analysis &ndash; portfolio summary</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt">&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">&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="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="4" STYLE="background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Non-personal</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: 40%; background-color: white">&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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Credit</B></FONT></TD>
    <TD STYLE="width: 6%; 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: 8%; 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>Corporate
    and&nbsp;</B></FONT></TD>
    <TD STYLE="width: 6%; 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>Financial</B></FONT></TD>
    <TD STYLE="width: 6%; 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: 6%; 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>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>institutions</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="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>30
    September&nbsp;2024</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: #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: #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: #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: #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>&pound;m</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: #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: #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: #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>&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="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>209,161</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>6,680</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>9,741</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>225,582</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>110,557</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>59,647</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>1,256</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>171,460</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>397,042</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>209,161</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>6,680</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>9,741</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>225,582</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>97,232</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>39,721</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>566</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>137,519</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>363,101</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>1,097</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>974</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>2,071</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>2,071</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>5,238</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>9,593</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>379</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>15,210</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>15,210</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;
    - RoW</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="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">&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>6,990</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>9,359</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>311</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>16,660</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>16,660</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 asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D">(2)</FONT></B><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D">&nbsp;</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>209,161</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>6,680</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>9,741</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>225,582</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>110,557</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>59,647</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,256</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>171,460</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>397,042</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>111,141</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>122</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>814</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>112,077</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>43,664</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>55,087</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>978</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>99,729</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>211,806</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>94,378</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>6,299</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>7,832</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>108,509</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>64,168</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>4,490</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>68,783</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>177,292</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</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>1,066</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>92</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>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>1,356</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>323</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</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</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>468</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>1,824</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - AQ10</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>2,576</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>167</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>897</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>3,640</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>2,402</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>58</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>20</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>2,480</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>6,120</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
    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>209,161</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>6,680</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>9,741</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>225,582</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>110,557</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>59,647</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>1,256</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>171,460</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>397,042</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>185,922</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>4,714</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>7,276</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>197,912</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>95,220</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>58,920</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>1,103</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>155,243</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>353,155</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - 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>20,663</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>1,799</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>1,568</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>24,030</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>12,935</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>669</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</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>13,737</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>37,767</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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B><I>2,576</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>167</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>897</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>3,640</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>2,402</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>58</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>20</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>2,480</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>6,120</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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B><I>144</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>24</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>168</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>1,227</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</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>20</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>1,298</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>1,466</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:
    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>2,432</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>167</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>873</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>3,472</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>1,175</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</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>1,182</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>4,654</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
    - past due analysis</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>209,161</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6,680</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>9,741</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>225,582</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>110,557</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>59,647</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,256</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>171,460</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>397,042</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>206,003</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>6,489</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>8,822</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>221,314</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>107,448</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>59,494</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>1,236</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>168,178</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>389,492</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>1,143</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>67</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>1,254</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>1,738</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>138</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>1,876</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>3,130</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>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>45</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>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>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>468</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>477</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>1,375</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>495</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>93</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>628</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>90</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>91</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>719</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>767</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>62</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>659</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>1,488</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>813</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>20</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>838</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>2,326</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>20,663</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>1,799</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>1,568</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>24,030</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>12,935</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>669</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>133</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>13,737</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>37,767</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>19,503</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>1,745</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>1,467</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>22,715</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>12,020</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>642</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</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>12,795</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>35,510</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>762</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>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>826</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>540</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="white-space: 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>566</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>1,392</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;
    - 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>398</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>63</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>489</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>375</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</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>376</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>865</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&nbsp;</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></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;
    - ECL measurement (years)</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>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>4</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</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</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>6</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>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>6</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>6</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 12 months PDs</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></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>0.52</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>3.03</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>5.09</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>0.77</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>1.27</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>0.18</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>5.46</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>0.92</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>0.84</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>0.68</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>3.58</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>3.26</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>0.86</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>1.10</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>0.16</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>5.46</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>0.81</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>0.84</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>444</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>404</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,057</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,905</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>1,541</B></FONT></TD>
    <TD STYLE="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="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>1,648</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>3,553</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>444</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>404</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>1,057</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>1,905</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>1,371</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>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>1,418</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>3,323</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>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>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>4</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></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>114</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</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>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>122</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;
    - RoW</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="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">&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>53</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>7</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>104</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>104</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;26.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->23<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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; text-align: justify; color: rgb(90,40,125)">Credit risk continued</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B>Sector analysis &ndash; portfolio
summary continued</B></P>

<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>
    <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="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>Non-personal</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: 40%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; 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: 6%; 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="width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Corporate
    and&nbsp;</B></FONT></TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Financial</B></FONT></TD>
    <TD STYLE="width: 6%; 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: 6%; 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>personal</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>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>institutions</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="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>30
    September&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">&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>ECL
    provisions 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>444</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>404</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,057</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,905</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>1,541</B></FONT></TD>
    <TD STYLE="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="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>1,648</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>3,553</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>60</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>92</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>302</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>249</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</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>298</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>600</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>68</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>198</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>214</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>480</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>324</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>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>335</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>815</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>316</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>114</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>693</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>1,123</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>968</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>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>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>1,015</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>2,138</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>12</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>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>26</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>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>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>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>457</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>483</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>304</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>114</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>679</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>1,097</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>553</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>5</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>558</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>1,655</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>0.21</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>6.05</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>10.85</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>0.84</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>1.39</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>0.15</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>1.59</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>0.96</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>0.89</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>0.03</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>2.06</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>0.26</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>0.06</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>1.18</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>0.19</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>0.17</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>0.33</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>11.01</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>13.65</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>2.00</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>2.50</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>1.35</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>1.50</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>2.44</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>2.16</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>12.27</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>68.26</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>77.26</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>30.85</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>40.30</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>72.41</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>25.00</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>40.93</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>34.93</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
    by residual maturity</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>209,161</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>6,680</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>9,741</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>225,582</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>110,557</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>59,647</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>1,256</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>171,460</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>397,042</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>3,368</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>3,680</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>3,180</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>10,228</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>34,826</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>45,266</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>426</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>80,518</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>90,746</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>11,732</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>3,000</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>5,544</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>20,276</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>47,007</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>11,542</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>499</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>59,048</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>79,324</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&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>45,515</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>1,011</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>46,526</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>20,867</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>2,805</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>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>23,969</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>70,495</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;-
    &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>148,546</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>6</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>148,552</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>7,857</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>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>7,925</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>156,477</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 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>3,178</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>29,011</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>133,767</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>165,956</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>165,956</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>3,176</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>28,618</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>133,767</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>165,561</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>165,561</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;
    - 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>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>393</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>395</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>395</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</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>13,625</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>19,434</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>8,118</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>41,177</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>74,529</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>21,246</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>237</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>96,012</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>137,189</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>13,625</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>19,434</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>8,077</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>41,136</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>71,483</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>19,772</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>237</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>91,492</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>132,628</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;
    - 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>41</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>41</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>3,046</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>1,474</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>4,520</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>4,561</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 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>13,625</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>19,434</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>8,118</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>41,177</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>74,529</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>21,246</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>237</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>96,012</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>137,189</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>12,805</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>510</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>6,736</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>20,051</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>47,313</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>19,601</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>67,064</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>87,115</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>806</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>18,585</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>1,335</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>20,726</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>26,783</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>1,601</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</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>28,407</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>49,133</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>-</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>20</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">&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</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>64</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">&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>111</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>14</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>330</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>27</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>371</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>415</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>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>-</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>459</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>830</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;26.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->24<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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; text-align: justify; color: rgb(90,40,125)">Credit risk continued</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B>Sector analysis &ndash; portfolio
summary continued</B></P>

<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="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="4" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Non-personal</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: 40%">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 6%; 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: 6%; 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: 8%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Corporate
    and&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Financial</FONT></TD>
    <TD STYLE="width: 6%; 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: 6%; 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">Other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">institutions</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><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31 December&nbsp;2023&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="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 STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Loans
    by geography</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="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="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">108,546</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; 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; - UK</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>208,275</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,893</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,592</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>223,760</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>95,736</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>39,906</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,016</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>137,658</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>361,418</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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; 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>11</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3</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>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>897</I></FONT></TD>
    <TD STYLE="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; 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>1,176</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,190</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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; 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>-</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>-</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,471</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,865</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>399</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13,735</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13,735</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; - RoW</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>-</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>-</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>-</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>-</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>6,442</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>9,037</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>218</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>15,697</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>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>Loans by asset quality&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D">(2)</FONT></B><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D">&nbsp;</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">108,546</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>42,217</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>63,818</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</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>386</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="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="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="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="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>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,125</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,163</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,563</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Loans by stage</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="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="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">108,546</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,087</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,633</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">168,266</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; 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; - Stage 1</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>188,140</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,742</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>6,983</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>198,865</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>91,006</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>56,105</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,610</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>149,721</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>348,586</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 2</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,854</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,022</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,633</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>21,509</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,415</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>966</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,382</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>37,891</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 3</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,281</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>140</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>979</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,400</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,125</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,163</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,563</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Of which: individual</I></FONT></TD>
    <TD STYLE="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; 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>20</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>142</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>865</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>889</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="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><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Of which: collective</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>2,159</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>140</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>959</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>3,258</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>1,260</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>14</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>1,274</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>4,532</I></FONT></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
    - past due analysis</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="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">108,546</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; - Not past due</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>205,405</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,743</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8,578</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>219,726</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>104,316</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>56,735</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,633</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>163,684</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>383,410</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Past due 1-30 days</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,178</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>41</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>71</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,290</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,713</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>332</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>3,045</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,335</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Past due 31-90 days</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>518</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>38</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>112</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>668</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>616</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12</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>628</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,296</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Past due 90-180 days</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>445</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>32</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>103</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>580</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>113</I></FONT></TD>
    <TD STYLE="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; 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>115</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>695</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; - Past
    due &gt;180 days</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>729</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>50</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>731</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>1,510</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>788</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>6</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="border-bottom: black 1pt solid; 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">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,304</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Loans - Stage 2</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,854</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,022</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,633</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21,509</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15,415</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">966</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; 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">16,382</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="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"><I>&nbsp; - Not past due</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,803</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,971</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,529</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20,303</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14,358</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>932</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,291</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35,594</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Past due 1-30 days</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>765</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>27</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>40</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>832</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>616</I></FONT></TD>
    <TD STYLE="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; 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>640</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,472</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Past due 31-90 days</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>286</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>24</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>64</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>374</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>441</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>10</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>451</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>825</I></FONT></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>Weighted
    average life</B></FONT></TD>
    <TD COLSPAN="11" STYLE="white-space: nowrap; vertical-align: bottom">&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; - ECL measurement
    (years)</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>9</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>3</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>6</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>6</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>6</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</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>6</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>6</I></FONT></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>Weighted
    average 12 months PDs</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="10" STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - IFRS 9 (%)</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.50</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3.45</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5.29</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.75</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1.55</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.19</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.37</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1.07</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.89</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Basel (%)</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>0.67</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>3.37</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>3.15</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>0.84</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>1.16</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>0.17</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>0.37</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>0.81</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>0.83</I></FONT></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>ECL
    provisions by geography</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">420</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">376</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,168</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,964</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,599</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</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">1,681</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="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><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - UK</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>420</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>365</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,163</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,948</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,383</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>38</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,434</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,382</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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; 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>11</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16</I></FONT></TD>
    <TD>&nbsp;</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>1</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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="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><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; 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>-</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>-</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>153</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12</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>165</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>165</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; - RoW</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>-</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>-</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>-</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>-</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>57</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>15</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>3</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>75</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>75</I></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;26.</P>

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


<!-- Field: Page; Sequence: 25; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->25<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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; text-align: justify; color: rgb(90,40,125)">Credit risk continued</P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)"><FONT STYLE="font-size: 3pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B>Sector analysis &ndash; portfolio
summary continued</B></P>

<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="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="4" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Non-personal</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: 40%">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 6%; 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: 6%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Corporate
    and&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Financial</FONT></TD>
    <TD STYLE="width: 6%; 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: 6%; 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">personal</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">Other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">institutions</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: 8pt">31 December&nbsp;2023&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</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">&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 STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>ECL provisions by stage&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">420</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">376</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,168</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,964</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,599</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</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">1,681</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="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><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 1</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>88</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>76</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>152</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>316</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>336</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>44</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>13</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>393</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>709</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Stage 2</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>61</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>207</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>238</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>506</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>454</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>470</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>976</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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; 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; 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; 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; 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">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>809</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</I></FONT></TD>
    <TD STYLE="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; 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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,960</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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; 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; 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>14</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>26</I></FONT></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"><I>302</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="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; 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; 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>&nbsp; - 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>259</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>93</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>764</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>1,116</I></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>507</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>5</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>-</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>512</I></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; 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; color: #5A287D"><B>ECL provisions coverage&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D">(%)</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">0.20</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6.37</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.17</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.88</FONT></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">1.47</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.12</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.61</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.00</FONT></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">0.93</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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; 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; 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; 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; 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">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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; 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; 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; 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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>0.20</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><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; 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; 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; 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; 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">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2.95</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>1.55</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>100.00</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>2.87</I></FONT></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"><I>2.58</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; - Stage
    3 (%)</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>11.88</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>66.43</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>79.47</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>33.59</I></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>38.07</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>43.75</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>9.09</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>37.82</I></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; 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><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Loans by residual maturity</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208,275</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,904</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,595</FONT></TD>
    <TD STYLE="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">108,546</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;- &lt;1 year&nbsp;</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,375</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,398</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>3,169</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,942</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>31,008</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>43,497</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>489</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>74,994</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>84,936</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;- 1-5 year</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,508</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,506</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>5,431</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,445</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>49,789</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>11616</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,872</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>63,277</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>80,722</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;- &gt;5&lt;15 year</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>46,453</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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>993</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>47,446</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>19,868</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,939</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>199</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>22,006</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>69,452</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;- &gt;15
    year</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>148,939</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>-</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</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>148,941</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>7,881</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>35</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>73</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>7,989</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>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 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">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,690</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26,816</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">123,683</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">153,189</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">153,189</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>-</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>-</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">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,690</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>26,084</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>123,683</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>152,457</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>152,457</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; - AQ5-AQ8</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>-</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>-</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>-</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>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</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>732</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>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>732</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>732</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Off-balance sheet</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,843</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,284</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,462</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35,589</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">73,921</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22,221</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">227</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">96,369</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131,958</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp; - Loan commitments</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,843</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,284</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>8,417</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>35,544</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>70,942</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20,765</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>227</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>91,934</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>127,478</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; - Financial
    guarantees</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>-</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>-</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>45</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>45</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>2,979</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>1,456</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>-</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>4,435</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>4,480</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Off-balance sheet 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">9,843</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17,284</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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; 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">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">73,921</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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; 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; 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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">131,958</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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>9,099</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>448</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7,271</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,818</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>47,296</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>20,644</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>165</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>68,105</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>84,923</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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>721</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>16,518</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,162</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>18,401</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>26,296</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>1,574</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>45</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>27,915</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>46,316</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="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>7</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>4</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="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; 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>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>32</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; 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>312</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>25</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>353</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>314</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>3</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>17</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>334</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>687</I></FONT></TD></TR>
  </TABLE>
<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">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse; margin-right: 1in; margin-left: 0.25in">
  <TR STYLE="font-size: 6pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 6pt; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Internal
    asset quality band</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 6pt; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Probability
    of default range</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 6pt; width: 14%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Indicative
    S&amp;P rating</FONT></TD>
    <TD STYLE="font-size: 6pt; width: 1%"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 6pt; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Internal
    asset quality band</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 6pt; width: 17%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Probability
    of default range</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 6pt; width: 17%"><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 STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ1</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0% - 0.034%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AAA to AA</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ6</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">1.076% - 2.153%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BB- to B+</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ2</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.034% - 0.048%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AA to AA-</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ7</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2.153% - 6.089%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">B+ to B</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ3</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.048% - 0.095%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">A+ to A</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ8</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">6.089% - 17.222%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">B- to CCC+</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ4</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.095% - 0.381%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BBB+ to BBB-</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ9</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">17.222% - 100%</FONT></TD>
    <TD STYLE="padding-bottom: 1pt"><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">AQ5</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.381% - 1.076%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BB+ to BB</FONT></TD>
    <TD><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <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">&nbsp;</P>

<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.25in">&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>

<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>Previously published sectors for the Non-personal portfolio have been
                                            re-presented to reflect internal sector reporting. Property is now included in corporate
                                            and other.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 12pt">Credit
risk continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><A NAME="a_015"></A><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><B>Sector analysis &ndash; portfolio
summary</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&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 Non-personal
portfolio including the three largest borrowing sector clusters included in corporate and other.</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; 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="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" 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&nbsp;</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</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="background-color: #F2EAF9">&nbsp;</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: 6pt; color: #5A287D"><B>Loan</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>Contingent</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 STYLE="vertical-align: bottom">
    <TD STYLE="width: 18%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; 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: 8%; 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: 8%; 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: 8%; 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: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; 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: 8%; 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: 8%; 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: 8%; 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: 8%; 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: 8%; 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 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>30
    September&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">&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">&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; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Personal</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>197,912</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>24,030</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>3,640</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>225,582</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>41,136</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>41</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>302</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>480</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>1,123</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>1,905</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>185,922</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>20,663</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>2,576</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>209,161</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>13,625</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>60</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>68</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>316</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>444</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>4,714</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>1,799</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>167</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>6,680</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>19,434</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>92</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>198</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>114</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>404</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>7,276</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>1,568</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>897</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>9,741</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>8,077</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>41</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>150</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>214</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>693</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>1,057</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">Non-personal</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>155,243</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>13,737</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>2,480</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>171,460</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>91,492</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>4,520</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>298</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>335</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>1,015</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>1,648</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>58,920</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>669</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>58</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>59,647</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>19,772</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>1,474</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; 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>42</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>87</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Sovereigns</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>1,103</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>133</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</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>1,256</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>237</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>13</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>5</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</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Corporate
    and other</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>95,220</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>12,935</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>2,402</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>110,557</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>71,483</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>3,046</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>249</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>324</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>968</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>1,541</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of
    which:</I></FONT></TD>
    <TD COLSPAN="12" STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 15.25pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Commercial
    real estate</I></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><I>16,485</I></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><I>1,365</I></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><I>410</I></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><I>18,260</I></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><I>6,280</I></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><I>120</I></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><I>60</I></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><I>29</I></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><I>144</I></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><I>233</I></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 15.25pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Consumer
    industries</I></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><I>13,114</I></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><I>3,399</I></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><I>468</I></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><I>16,981</I></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><I>10,533</I></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><I>576</I></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><I>42</I></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><I>91</I></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><I>198</I></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><I>331</I></B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 15.25pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Mobility
    and logistics</I></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><I>13,674</I></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><I>1,535</I></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><I>168</I></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><I>15,377</I></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><I>9,497</I></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><I>634</I></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><I>25</I></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><I>28</I></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><I>56</I></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><I>109</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>353,155</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>37,767</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>6,120</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>397,042</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>132,628</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>4,561</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>600</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>815</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>2,138</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>3,553</B></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="background-color: white">
    <TD STYLE="width: 18%; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31
    December&nbsp;2023&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 8%">&nbsp;</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">Personal</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">&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">35,544</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">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="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">&nbsp;</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; 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="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">&nbsp;</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; 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="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">&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">8,417</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">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="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-personal</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">&nbsp;</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; 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="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">&nbsp;</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; 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="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Sovereigns</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">&nbsp;</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; 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="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Corporate
    and other</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">91,006</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15,415</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,125</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">108,546</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">70,942</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,979</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">336</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">454</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">809</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,599</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Of
    which:</I></FONT></TD>
    <TD COLSPAN="12" STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 15.25pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Commercial
    real estate</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>14,998</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,040</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>374</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,412</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>7,155</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>106</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>86</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>58</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>112</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>256</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 15.25pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Consumer
    industries</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>12,586</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>4,050</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>541</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>17,177</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>10,209</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>649</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>61</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>119</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>222</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>402</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 15.25pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>Mobility
    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>13,186</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>2,074</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>143</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>15,403</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>8,728</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>496</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>33</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>39</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>48</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>120</I></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid"><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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">348,586</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; 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-top: black 1pt solid; 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-top: black 1pt solid; 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-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; 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-top: black 1pt solid; 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-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; 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-top: black 1pt solid; 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-top: black 1pt solid; 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-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,645</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" 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>As at 30 September&nbsp;2024, &pound;139.9 billion, 66.9%, 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, 45.7% were rated as EPC
                                            A to C (31 December&nbsp;2023 &ndash; 44.1%).</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Includes transactions, such as securitisations, where the underlying
                                            risk may be in other sectors.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>Previously published sectors for the Non-personal portfolio have been
                                            re-presented to reflect internal sector reporting. Property is now included in corporate
                                            and other.</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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"><FONT STYLE="font-size: 12pt"><A NAME="a_028"></A>Capital,
liquidity and funding risk</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Introduction</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 1pt"><B>&nbsp;</B></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: 3pt">&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: 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: top">
    <TD STYLE="padding-bottom: 1pt; width: 34%; background-color: #F2EAF9; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A198C"><FONT STYLE="font-size: 10pt"><B>CET1
                                            ratio</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">13.9%</P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">(as at 31 December&nbsp;2023
    &ndash; 13.4%)</P></TD>
    <TD STYLE="width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; width: 32%; background-color: #F2EAF9; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A198C"><B>MREL ratio</B></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">32.9%</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">(as at 31 December&nbsp;2023
    &ndash; 30.5%)</P></TD>
    <TD STYLE="width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; width: 32%; background-color: #F2EAF9; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A198C"><B>RWAs</B></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">&pound;181.7bn</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">(as at 31 December&nbsp;2023
    &ndash; &pound;183.0bn)</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The CET1 ratio increased by 50 basis points to 13.9%. The increase
    in the CET1 ratio was due to a &pound;0.9 billion increase in CET1 capital and a &pound;1.3 billion decrease in RWAs.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The CET1 capital increase was mainly driven by an attributable
    profit to ordinary shareholders of &pound;2.8 billion (net of ordinary interim dividend paid) and other movements on reserves and
    regulatory adjustments of &pound;0.1 billion partially offset by a directed buyback of &pound;1.2 billion and a foreseeable ordinary
    dividend accrual of &pound;0.8 billion.</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The
    Minimum Requirements of own funds and Eligible Liabilities (MREL) ratio increased by 240 basis points to 32.9%, driven by a &pound;4.0
    billion increase in MREL and &pound;1.3 billion decrease in RWAs. MREL increased to &pound;59.8 billion driven by a &pound;2.2 billion
    increase in eligible capital and a &pound;1.8 billion increase in senior unsecured debt. The increase in capital was driven by attributable
    profit and reserve movements, a &pound;0.8 billion increase due to issuance of $1.0 billion Additional Tier 1 and a &pound;0.6 billion
    increase driven by issuances and redemptions of subordinated debt instruments in the period. The increase in senior unsecured debt
    was driven by the issuance of USD debt instruments totalling $4.6 billion and EUR debt instruments totalling &euro;1.8 billion, partially
    offset by redemption of a &euro;0.8 billion debt instrument and a $2.0 billion debt instrument, and FX movements.</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Total RWAs decreased by &pound;1.3 billion to &pound;181.7 billion
    reflecting:</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">-&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a
    decrease in credit risk RWAs of &pound;2.2 billion, primarily due to active RWA management and a reduction in risk weighted assets
    from foreign exchange movements due to sterling appreciation versus the euro and US dollar. These movements are partially offset
    by drawdowns and new facilities within Commercial&nbsp;&amp; Institutional, lending growth and the Metro Bank mortgage portfolio
    acquisition within Retail Banking.</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">-&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a
    decrease of &pound;0.5 billion in counterparty credit risk driven by reduced over-the-counter exposures.</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">-&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a
    decrease in market risk RWAs of &pound;0.2 billion, predominantly driven by risk reduction activity.</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">-<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;an
    increase of &pound;1.6 billion in operational risk RWAs following the annual recalculation as a result of higher income compared
    to 2020.</FONT></P></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: 1pt; width: 34%; background-color: #F2EAF9; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A198C"><B>UK leverage ratio</B></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">5.0%</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">(as at 31 December&nbsp;2023
    &ndash; 5.0%)</P></TD>
    <TD STYLE="width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; width: 32%; background-color: #F2EAF9; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A198C"><B>Liquidity portfolio</B></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">&pound;226.5bn</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">(as at 31 December&nbsp;2023
    &ndash; &pound;222.8bn)</P></TD>
    <TD STYLE="width: 1%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; width: 32%; background-color: #F2EAF9; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A198C"><B>LCR</B></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">148%</P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #5A287D">(as at 31 December&nbsp;2023
    &ndash; 144%)</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The
    leverage ratio remains at 5.0%, due to a &pound;31.9 billion increase in leverage exposure offset by a &pound;1.7 billion increase
    in Tier 1 capital. The key drivers in the leverage exposure were an increase in other financial assets, trading assets, and other
    off-balance sheet items.</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The
    liquidity portfolio increased by &pound;3.7 billion to &pound;226.5 billion during the year. Primary liquidity increased by &pound;14.2
    billion to &pound;162.3 billion, driven by an increase in customer deposits and issuance partially offset by increased lending (incl.
    Metro Bank mortgage portfolio acquisition) and capital distributions (share buyback and dividends). Secondary liquidity decreased
    &pound;10.5 billion due to a decrease in pre-positioned collateral at the Bank of England. </FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">The
    Liquidity Coverage Ratio (LCR) increased by 4 percentage points to 148%, during the year, driven by increased customer deposits and
    issuance partially offset by increased lending (incl. Metro Bank mortgage portfolio acquisition) and capital distributions (share
    buyback and dividends).</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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->28<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 12pt">Capital, liquidity and
funding risk continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Maximum Distributable Amount (MDA) and Minimum Capital
Requirements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&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">&nbsp;</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 capital 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">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 52%; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Type</B></FONT></TD>
    <TD STYLE="width: 16%; 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>CET1</B></FONT></TD>
    <TD STYLE="width: 16%; 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
    Tier 1</B></FONT></TD>
    <TD STYLE="width: 16%; 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
    capital</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Pillar 1 requirements</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4.5%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6.0%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>8.0%</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">Pillar
    2A requirements</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>1.8%</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>2.4%</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>3.2%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Minimum Capital Requirements</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6.3%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>8.4%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.2%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Capital conservation
    buffer</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2.5%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2.5%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2.5%</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">Countercyclical
    capital buffer</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;(1)&nbsp;</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>1.7%</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>1.7%</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>1.7%</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">MDA
    threshold&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</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>10.5%</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>n/a</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>n/a</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">Overall
    capital requirement&nbsp;</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>10.5%</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>12.6%</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>15.4%</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">Capital
    ratios at 30 September&nbsp;2024</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>13.9%</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>16.5%</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>19.7%</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">Headroom&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3,4)&nbsp;</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>3.4%</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>3.9%</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>4.3%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&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">(1)</TD><TD>The UK countercyclical buffer (CCyB) rate is currently being maintained
                                            at 2%. This may vary in either direction in the future subject to how risks develop. Foreign
                                            exposures may be subject to different CCyB rates depending on the rate set in those jurisdictions.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Pillar 2A requirements for NatWest Group are set as a variable amount
                                            with the exception of some fixed add-ons.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>The headroom does not reflect excess distributable capital and may vary
                                            over time.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>Headroom as at 31 December&nbsp;2023 was CET1 2.9%, Total Tier 1 2.9%
                                            and Total Capital 3.0%.</TD></TR></TABLE>

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

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"></P>

<DIV STYLE="float: right; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Leverage ratios</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&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: 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="white-space: nowrap; width: 68%; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Type</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 16%; 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>CET1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 16%; 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
    Tier 1</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">Minimum
    ratio</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>2.44%</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>3.25%</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">Countercyclical
    leverage ratio buffer<FONT STYLE="color: #5A287D"><B>&nbsp;</B></FONT></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>0.6%</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>0.6%</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>Total</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>3.04%</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>3.85%</B></FONT></TD></TR>
  </TABLE>
<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>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"></P>

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

<P STYLE="font: 8pt 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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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"><FONT STYLE="font-size: 12pt">Capital, liquidity and
funding risk continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Capital and leverage ratios</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

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

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

<DIV STYLE="float: left; width: 58%"><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; 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>30
    September</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">30
    June</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="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">2024</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="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>Capital
    adequacy ratios&nbsp;</B></FONT><B><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D">(1)</FONT></B></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>%</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">%</FONT></TD>
    <TD STYLE="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>13.9</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.6</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; 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>16.5</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16.2</FONT></TD>
    <TD STYLE="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="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>19.7</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">19.5</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">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 COLSPAN="2" STYLE="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="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="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="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>26,220</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25,241</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; 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="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">Expected loss less impairment</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>(23)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(34)</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">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>(245)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(233)</FONT></TD>
    <TD STYLE="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>(746)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(822)</FONT></TD>
    <TD STYLE="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>18</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19</FONT></TD>
    <TD STYLE="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>(162)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(161)</FONT></TD>
    <TD STYLE="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>1,365</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,812</FONT></TD>
    <TD STYLE="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>(808)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(839)</FONT></TD>
    <TD STYLE="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&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>(365)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(365)</FONT></TD>
    <TD STYLE="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>-</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(50)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(525)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustments under IFRS
    9 transitional arrangements</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>42</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39</FONT></TD>
    <TD STYLE="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-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
    regulatory adjustments</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>(924)</B></FONT></TD>
    <TD STYLE="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">(634)</FONT></TD>
    <TD STYLE="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">(1,213)</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">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="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="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>25,296</B></FONT></TD>
    <TD STYLE="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">24,607</FONT></TD>
    <TD STYLE="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">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="background-color: white">&nbsp;</TD>
    <TD STYLE="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="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>4,670</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">4,670</FONT></TD>
    <TD STYLE="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="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tier 1 capital</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>29,966</B></FONT></TD>
    <TD STYLE="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">29,277</FONT></TD>
    <TD STYLE="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">28,315</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; 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; 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">Tier
    2 capital</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>5,824</B></FONT></TD>
    <TD STYLE="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">5,924</FONT></TD>
    <TD STYLE="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">5,317</FONT></TD></TR>
  <TR>
    <TD STYLE="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>Total
    regulatory capital</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>35,790</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">35,201</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">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="background-color: white">&nbsp;</TD>
    <TD STYLE="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="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="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>145,448</B></FONT></TD>
    <TD STYLE="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">144,852</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>7,255</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">7,139</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>7,190</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">6,956</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="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="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">21,821</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: 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="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>181,714</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: 8pt">180,768</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: 8pt">182,989</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

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

<DIV STYLE="float: right; width: 38%"><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: 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: 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"><FONT STYLE="font-size: 12pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 12pt">&nbsp;</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">&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: 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: 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" STYLE="width: 100%; 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>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 30 September&nbsp;2024 was &pound;42 million for CET1 capital,
                                            &pound;42 million for Total Capital and &pound;3 million RWAs (30 June&nbsp;2024 - &pound;39
                                            million CET1 capital, &pound;39 million Total Capital and &pound;1 million RWAs and 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 13.9% (30 June&nbsp;2024 &ndash;
                                            13.6% and 31 December&nbsp;2023 &ndash; 13.2%). Tier 1 Capital ratio would be 16.5% (30 June&nbsp;2024
                                            &ndash; 16.2% and 31 December&nbsp;2023 &ndash; 15.4%) and the Total Capital ratio would
                                            be 19.7% (30 June&nbsp;2024 - 19.5% and 31 December&nbsp;2023 &ndash; 18.4%).</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Prudent deduction in respect of agreement with the pension fund.</TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>




<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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->30<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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"><FONT STYLE="font-size: 12pt">Capital, liquidity and
funding risk continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Capital and leverage ratios continued</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: bottom">
    <TD STYLE="width: 79%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</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">2024</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="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Leverage</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>
    <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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash and balances at
    central banks</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>105,629</B></FONT></TD>
    <TD STYLE="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">115,833</FONT></TD>
    <TD STYLE="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">104,262</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading 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>54,445</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">45,974</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</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>68,720</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">67,514</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Financial 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>455,770</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">437,909</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other 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>27,317</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">22,116</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="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="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>16</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: 8pt">992</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: 8pt">902</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Total
    assets</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>711,897</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">690,338</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: white">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp; - netting
    and variation margin</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>(66,427)</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">(66,846)</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp; - potential
    future exposures</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>16,047</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">16,829</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Securities financing
    transactions gross up</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>1,588</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">1,645</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,868</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other off balance sheet
    items</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>57,154</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">55,003</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Regulatory deductions
    and other 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>(20,707)</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">(15,782)</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Claims on central banks</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>(102,090)</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">(112,377)</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="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="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>(2,746)</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: 8pt">(3,084)</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: 8pt">(3,794)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">UK
    leverage exposure&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>594,716</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">565,726</FONT></TD>
    <TD STYLE="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 STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">UK
    leverage ratio (%)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</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>5.0</B></FONT></TD>
    <TD STYLE="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">5.2</FONT></TD>
    <TD STYLE="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"><FONT STYLE="font-size: 5pt">&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">(1)</TD><TD>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 5.0% (30 June&nbsp;2024 &ndash; 5.2%, 31 December&nbsp;2023 &ndash;
                                            5.0%).</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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->31<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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"><FONT STYLE="font-size: 12pt">Capital, liquidity and
funding risk continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Capital flow statement</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">The table below analyses the movement
in CET1, AT1 and Tier 2 capital for the nine months ended 30 September&nbsp;2024. It is presented on a transitional basis based on current
PRA rules</FONT><FONT STYLE="font-size: 8.5pt">.</FONT></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>
    <TD STYLE="width: 72%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 7%; 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="width: 7%; 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="width: 7%; 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="width: 7%; 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; 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: #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></TR>
  <TR>
    <TD STYLE="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="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="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="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="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="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Attributable profit for
    the period</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,271</B></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>3,271</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary interim dividend
    paid</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(497)</B></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>(497)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Directed buyback&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>(1,241)</B></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>(1,241)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreseeable ordinary
    dividends&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>(808)</B></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>(808)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange reserve</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(137)</B></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>(137)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI reserve</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)</B></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>(8)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own credit</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>28</B></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>28</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share based remuneration
    and shares vested under employee share schemes</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>135</B></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>135</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Goodwill and intangibles
    deduction</FONT></TD>
    <TD STYLE="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="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>26</B></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="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>-</B></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>233</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Prudential valuation
    adjustments</FONT></TD>
    <TD STYLE="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="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>34</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">New issues of capital
    instruments</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>795</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,341</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>2,136</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Redemption of capital
    instruments</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>(622)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(622)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movements</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>(84)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(84)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment under IFRS
    9 transitional arrangements</FONT></TD>
    <TD STYLE="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="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>(160)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Expected loss less impairment</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)</B></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>(23)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other movements</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; 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>(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>(125)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="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
    30 September&nbsp;2024</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>25,296</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>4,670</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>5,824</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>35,790</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" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For
                                            CET1 movements refer to the key points on page&nbsp;28.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AT1
                                            movements reflects the &pound;0.8 billion issued of the $1.0 billion 8.125% Reset Perpetual
                                            Subordinated Contingent Convertible Notes issued in May&nbsp;2024.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier
                                            2 instrument movements of &pound;0.6 billion include &pound;0.8 billion in relation to $1.0
                                            billion 6.475% Fixed to Fixed Reset Subordinated Tier 2 Notes 2034 issued in March&nbsp;2024
                                            and a &pound;0.6 billion 5.642% Fixed to Fixed Reset Subordinated Tier 2 Notes 2034 issued
                                            in September&nbsp;2024, partially offset by the &pound;0.1 billion redemption of 5.125% Subordinated
                                            Tier 2 Notes 2024 in May&nbsp;2024, &pound;0.6 billion in relation to the $750 million redemption
                                            of Fixed to Fixed Reset Subordinated Tier 2 Notes 2029 in September&nbsp;2024 and foreign
                                            exchange movements.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</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: 32; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->32<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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"><FONT STYLE="font-size: 12pt">Capital, liquidity and
funding risk continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Risk-weighted assets</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">The table below analyses the movement in RWAs for
the nine months ended 30 September&nbsp;2024, by key drivers.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 60%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; 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="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; 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="width: 8%; 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>Credit
    risk</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>credit
    risk</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>Market
    risk</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>risk</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&nbsp;</B></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>&pound;bn</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;bn</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;bn</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;bn</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;bn</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>At
    31 December&nbsp;2023</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>147.6</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>7.8</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>7.4</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>20.2</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>183.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movement</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.0)</B></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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.0)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Business movement</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(1.4)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.4)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.2)</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>1.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.4)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk parameter changes</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.7)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.1)</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>-</B></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>(0.8)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Model updates</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>-</B></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></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Acquisitions</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>0.9</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>-</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>0.9</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>At
    30 September&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: 8pt; color: #5A287D"><B>145.4</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>7.3</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>7.2</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>21.8</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>181.7</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"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 60%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; 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>
    <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>Retail</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>Private</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>Commercial&nbsp;&amp;</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>Central
    items&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>NatWest</B></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>Banking</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>Banking</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>Institutional&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>&amp;
    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>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="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="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="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="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="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="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="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>61.6</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>11.2</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>107.4</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>2.8</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>183.0</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movement</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>(1.0)</B></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>(1.0)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Business movement</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>2.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.2)</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>(1.3)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.9)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.4)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk parameter changes&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>0.1</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.9)</B></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>(0.8)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Model updates</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>0.2</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(0.2)</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>-</B></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></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Acquisitions</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>0.9</B></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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>0.9</B></FONT></TD></TR>
  <TR>
    <TD STYLE="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
    30 September&nbsp;2024</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>64.8</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>11.0</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>104.0</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>1.9</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>181.7</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Credit
    risk</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>56.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>9.5</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>78.1</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>1.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>145.4</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Counterparty
    credit risk</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>0.2</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>7.1</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>7.3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Market
    risk</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>0.1</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>7.1</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>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>7.2</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">Operational
    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>8.1</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>1.5</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>11.7</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>0.5</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>21.8</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
    RWAs</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>64.8</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>11.0</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>104.0</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>1.9</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>181.7</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="6" STYLE="white-space: nowrap"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<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">Total RWAs decreased by &pound;1.3 billion to &pound;181.7 billion during
the period mainly reflecting:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A
                                            reduction in risk weighted assets from foreign exchange movements of &pound;1.0 billion due
                                            to sterling appreciation versus the euro and US dollar.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A
                                            decrease in business movements of &pound;0.4 billion primarily due to active RWA management
                                            of &pound;5.6 billion, partially offset by the recalculation of operational risk as a result
                                            of higher income when compared to 2020 and an increase in drawdowns and new facilities within
                                            Commercial&nbsp;&amp; Institutional. Further increases in Retail Banking reflecting lending
                                            growth.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Reduction
                                            in risk parameters of &pound;0.8 billion primarily driven by customers moving into default
                                            and improved risk metrics within Commercial&nbsp;&amp; Institutional.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            offsetting movement in model updates driven by IRB Temporary Model Adjustment within Retail
                                            Banking and Commercial&nbsp;&amp; Institutional.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">&ndash;</TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            increase in acquisitions of &pound;0.9 billion for the Metro Bank mortgage portfolio acquisition
                                            within Retail Banking.</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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->33<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Risk and capital management continued</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"><FONT STYLE="font-size: 12pt">Capital, liquidity and
funding risk continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Liquidity portfolio</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></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 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"><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="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="11" 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="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>30
    September&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June&nbsp;2024</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December&nbsp;2023</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 35%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 7%; 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="width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>NWH</B></FONT></TD>
    <TD STYLE="width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>UK
    DoL</B></FONT></TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest</FONT></TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NWH</FONT></TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">UK
    DoL</FONT></TD>
    <TD STYLE="width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest</FONT></TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NWH</FONT></TD>
    <TD STYLE="width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">UK
    DoL</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Group
    (2)</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>Sub</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group
    (1)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group
    (2)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Sub&nbsp;</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
    (1)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group
    (2)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Sub&nbsp;</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: #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: 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>
    <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">&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>
    <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">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>&nbsp;101,413</B></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;69,097</B></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;68,621</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;111,763</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;73,408</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;72,895</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">&nbsp;99,855</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;68,495</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;67,954</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">(4)</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;48,401</B></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;36,187</B></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;36,187</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;35,616</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;26,253</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;26,253</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">&nbsp;36,250</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;26,510</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;26,510</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>&nbsp;3,820</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>&nbsp;3,820</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>&nbsp;3,820</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&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">&nbsp;3,892</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">&nbsp;3,892</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">&nbsp;3,892</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">&nbsp;4,164</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">&nbsp;4,164</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">&nbsp;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 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>&nbsp;153,634</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>&nbsp;109,104</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>&nbsp;108,628</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&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">&nbsp;151,271</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">&nbsp;103,553</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">&nbsp;103,040</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">&nbsp;140,269</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">&nbsp;99,169</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">&nbsp;98,628</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">(5)</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>&nbsp;8,629</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>&nbsp;7,444</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>&nbsp;7,444</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&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">&nbsp;9,124</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">&nbsp;7,897</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">&nbsp;7,897</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">&nbsp;7,796</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">&nbsp;7,320</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">&nbsp;7,320</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">(6)</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>&nbsp;162,263</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>&nbsp;116,548</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>&nbsp;116,072</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&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">&nbsp;160,395</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">&nbsp;111,450</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">&nbsp;110,937</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">&nbsp;148,065</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">&nbsp;106,489</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">&nbsp;105,948</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Secondary liquidity</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;64,214</B></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;64,186</B></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;64,186</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;66,589</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;66,559</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;66,559</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">&nbsp;74,722</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;74,683</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;74,683</FONT></TD></TR>
  <TR>
    <TD STYLE="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">Total
    liquidity value</FONT></TD>
    <TD STYLE="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>&nbsp;226,477</B></FONT></TD>
    <TD STYLE="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>&nbsp;180,734</B></FONT></TD>
    <TD STYLE="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>&nbsp;180,258</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="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">&nbsp;226,984</FONT></TD>
    <TD STYLE="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">&nbsp;178,009</FONT></TD>
    <TD STYLE="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">&nbsp;177,496</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="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">&nbsp;222,787</FONT></TD>
    <TD STYLE="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">&nbsp;181,172</FONT></TD>
    <TD STYLE="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">&nbsp;180,631</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&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">(1)</TD><TD>NatWest Group includes the UK Domestic Liquidity Sub-Group (UK DoLSub),
                                            NatWest Markets Plc and other significant operating subsidiaries that hold liquidity portfolios.
                                            These include RBSI Ltd and NWM N.V. who hold managed portfolios that comply with local regulations
                                            that may differ from PRA rules.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>NWH Group comprises UK DoLSub and NatWest Bank Europe GmbH who hold managed
                                            portfolios that comply with local regulations that may differ from PRA rules.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>NatWest Markets Plc liquidity portfolio is reported in the NatWest Markets
                                            Plc 2023 Annual Report and Accounts.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>Multilateral development bank abbreviated to MDB, public sector entities
                                            abbreviated to PSE and government sponsored entities abbreviated to GSE.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(5)</TD><TD>Includes Level 2A and Level 2B.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(6)</TD><TD>High-quality liquid assets abbreviated to HQLA.</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"><FONT STYLE="font-size: 12pt; color: rgb(90,40,125)"><A NAME="a_016"></A>Pension
risk</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In September&nbsp;2024, the Trustee of the NatWest Group Pension Fund
entered into a further buy-in transaction with a third party insurer for some of the liabilities of the Main section. Around a third
of the Main section is now covered by insurance policies that give protection against demographic and investment risks, improving security
of the member benefits. The transaction does not affect the 2024 statement of comprehensive income because the net pension asset is limited
to zero due to the impact of the asset ceiling.</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 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->34<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_017"></A>Condensed consolidated income statement</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">for the period ended 30 September&nbsp;2024 (unaudited)</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="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; border-bottom: black 1pt solid; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>&nbsp;Nine
    months ended&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; border-bottom: black 1pt solid; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>&nbsp;Quarter
    ended&nbsp;</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; width: 59%; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 8%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; width: 8%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; width: 1%; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 8%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; width: 8%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; width: 8%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>&nbsp;&pound;m&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;&pound;m&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>&nbsp;&pound;m&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;&pound;m&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;&pound;m&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Interest
    receivable</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>18,734</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15,071</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>6,444</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,235</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,589</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">Interest
    payable</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(10,427)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6,660)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(3,545)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,478)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,904)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt"><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; vertical-align: bottom; border-top: black 1pt solid; 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>8,307</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,411</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; 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>2,899</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,757</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,685</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">Fees
    and commissions receivable</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>2,378</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,213</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>811</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">797</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">754</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">Fees
    and commissions payable</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(529)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(484)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(181)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(171)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(169)</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">Trading
    income</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>607</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">609</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>257</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">221</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">191</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">Other
    operating income</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>115</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">466</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(42)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">27</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt"><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; vertical-align: bottom; border-top: black 1pt solid; 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>2,571</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,804</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; 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>845</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">902</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">803</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; color: #5A287D"><B>Total
    income</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>10,878</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11,215</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>3,744</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,659</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,488</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">Staff
    costs</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(3,112)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,924)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(965)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,085)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(919)</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">Premises
    and equipment</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(863)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(845)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(284)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(286)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(275)</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">Other
    administrative expenses</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(1,153)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,390)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(330)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(399)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(519)</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">Depreciation
    and amortisation</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(754)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(683)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(246)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(235)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(214)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; 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; vertical-align: bottom; border-top: black 1pt solid; 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>(5,882)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,842)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; 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>(1,825)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,005)</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,927)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Profit
    before impairment losses/releases</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>4,996</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,373</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>1,919</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,654</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,561</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    (losses)/releases</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(293)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(452)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(245)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(229)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt"><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; vertical-align: bottom; 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>4,703</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;4,921</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; 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>1,674</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;1,699</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;1,332</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; color: #5A287D"><B>Tax
    charge</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>(1,232)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;(1,439)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(431)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;(462)</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(378)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt"><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; vertical-align: bottom; 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>3,471</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;3,482</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; 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>1,243</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;1,237</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;954</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; 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>Profit/(loss)
    from discontinued operations, net of tax</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>12</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;(138)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;15</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;(30)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; 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>Profit
    for the period</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; 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>3,483</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;3,344</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; 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>1,244</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,252</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;924</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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; color: #5A287D"><B>Attributable
    to:</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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">Ordinary
    shareholders</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>3,271</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,165</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>1,172</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,181</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">866</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">Paid-in
    equity holders</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>202</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">182</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>73</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">69</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61</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">Non-controlling
    interests</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>10</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; 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; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>(1)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; 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; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; 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>3,483</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,344</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; 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>1,244</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,252</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">924</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; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings
    per ordinary share - continuing operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; 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>38.2p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.6p</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; 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>14.1p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5p</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10.1p</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">Earnings
    per ordinary share - discontinued operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>0.1p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.5p)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>0.0p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.2p</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.3p)</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">Total
    earnings per share attributable to ordinary shareholders - basic&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>38.3p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">34.1p</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>14.1p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.7p</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.8p</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">Earnings
    per ordinary share - fully diluted continuing operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>37.9p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.4p</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>14.0p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.4p</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10.1p</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">Earnings
    per ordinary share - fully diluted discontinued operations</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>0.1p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.5p)</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>0.0p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.2p</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.3p)</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">Total
    earnings per share attributable to ordinary shareholders - fully diluted</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>38.0p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33.9p</FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; 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>14.0p</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.6p</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.8p</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: 35; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->35<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_018"></A>Condensed consolidated statement
of comprehensive income</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">for the period ended 30 September&nbsp;2024 (unaudited)</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="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Nine
    months ended</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: center; padding-bottom: 1pt"><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="padding-top: 1pt; width: 59%; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 8%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="padding-top: 1pt; width: 1%; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 8%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 8%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>&pound;m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>&pound;m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><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; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit
    for the period</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>3,483</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,344</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>1,244</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,252</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">924</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Items
    that will not be reclassified subsequently to profit or loss:</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Remeasurement
    of retirement benefit schemes</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>(92)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(105)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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>(32)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(24)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(41)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; background-color: white; padding-bottom: 1pt"><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: 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>(25)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; 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; background-color: white; padding-bottom: 1pt">&nbsp;</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</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; 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; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(23)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI
    financial assets</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>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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>49</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(20)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax</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>39</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>(5)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>(62)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(76)</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>13</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; 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; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(45)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Items
    that will be reclassified subsequently to profit or loss when specific conditions are met:</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI
    financial assets</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</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">65</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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>(20)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash
    flow hedges</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>732</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; 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; background-color: white; padding-bottom: 1pt">&nbsp;</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>611</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">187</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">526</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Currency
    translation</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>(119)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(401)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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>(77)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(17)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">68</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax</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>(221)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(16)</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>(164)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; 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-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(143)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>413</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(560)</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>350</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">106</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">463</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; 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>Other
    comprehensive profit/(losses) after tax</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>351</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(636)</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>363</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">72</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">418</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; 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>Total
    comprehensive income for the period</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>3,834</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,708</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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>1,607</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,324</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,342</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Attributable
    to:</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary
    shareholders</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>3,622</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,529</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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>1,535</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,253</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,284</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in
    equity holders</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>202</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">182</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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>73</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">69</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling
    interests</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>10</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; 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; background-color: white; padding-bottom: 1pt">&nbsp;</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)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; 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; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>3,834</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,708</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>1,607</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,324</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,342</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: 36; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->36<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_019"></A>Condensed consolidated balance
sheet</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">as at 30 September&nbsp;2024 (unaudited)</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: 1pt; white-space: nowrap; vertical-align: bottom; width: 80%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 10%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 10%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; vertical-align: bottom; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>&pound;m&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Assets</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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">Cash
    and balances at central banks</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>105,629</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;104,262&nbsp;</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">Trading
    assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>54,445</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45,551&nbsp;</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">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>68,720</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;78,904&nbsp;</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">Settlement
    balances</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11,637</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,231&nbsp;</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">Loans
    to banks - amortised cost</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6,742</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;6,914&nbsp;</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">Loans
    to customers - amortised cost</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>386,723</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;381,433&nbsp;</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">Other
    financial assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>62,305</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;51,102&nbsp;</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">Intangible
    assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>7,588</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;7,614&nbsp;</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">Other
    assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>8,092</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;8,760&nbsp;</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">Assets
    of disposal groups</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;902&nbsp;</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; color: #5A287D"><B>Total
    assets</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; 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>711,897</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;692,673&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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; color: #5A287D"><B>Liabilities</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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">Bank
    deposits</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>31,747</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;22,190&nbsp;</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">Customer
    deposits</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>431,070</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;431,377&nbsp;</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">Settlement
    balances</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>12,283</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;6,645&nbsp;</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">Trading
    liabilities</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>59,079</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;53,636&nbsp;</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">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>61,650</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;72,395&nbsp;</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">Other
    financial liabilities</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>63,552</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;55,089&nbsp;</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">Subordinated
    liabilities</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6,669</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;5,714&nbsp;</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">Notes
    in circulation</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,304</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;3,237&nbsp;</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">Other
    liabilities</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4,004</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;5,202&nbsp;</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; color: #5A287D"><B>Total
    liabilities</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; 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>673,358</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;655,485&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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; color: #5A287D"><B>Equity</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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">Ordinary
    shareholders' interests</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>33,808</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;33,267&nbsp;</FONT></TD></TR>
  <TR>
    <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">Other
    owners' interests</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4,690</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;3,890&nbsp;</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">Owners'
    equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>38,498</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;37,157&nbsp;</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">Non-controlling
    interests</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>41</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;31&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Total
    equity</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; 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>38,539</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,188&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <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>Total
    liabilities and equity</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; 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>711,897</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; vertical-align: top; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">692,673&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: 37; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->37<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_020"></A>Condensed consolidated statement
of changes in equity</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">for the period ended 30 September&nbsp;2024 (unaudited)</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="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>Share&nbsp;</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Other</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Other
    reserves</B></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: 6pt; color: #5A287D"><B>Total</B></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: 6pt; color: #5A287D"><B>Non</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; width: 37%; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>capital
    and</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Paid-in</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>statutory</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Retained</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Cash
    flow</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Foreign</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>owners'</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>controlling</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><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="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>share
    premium</B></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: 6pt; color: #5A287D"><B>equity</B></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: 6pt; color: #5A287D"><B>reserves
    (3)</B></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: 6pt; color: #5A287D"><B>earnings</B></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: 6pt; color: #5A287D"><B>Fair
    value</B></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: 6pt; color: #5A287D"><B>hedging</B></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: 6pt; color: #5A287D"><B>exchange</B></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: 6pt; color: #5A287D"><B>Merger</B></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: 6pt; color: #5A287D"><B>equity</B></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: 6pt; color: #5A287D"><B>&nbsp;interests</B></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: 6pt; color: #5A287D"><B>equity</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt">&nbsp;</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</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: 6pt; color: #5A287D"><B>&pound;m</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; 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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>10,844</B></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>3,890</B></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>2,004</B></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>10,645</B></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>(49)</B></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>(1,899)</B></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>841</B></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>10,881</B></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>37,157</B></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>31</B></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>37,188</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit
    attributable to ordinary shareholders and other equity owners</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
    continuing operations</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>3,461</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>3,461</B></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>10</B></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>3,471</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
    discontinued operations</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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</B></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>-</B></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</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Other
    comprehensive income</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Realised
    gains in period on FVOCI equity shares</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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</B></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)</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>-</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; background-color: #F2EAF9; 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; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Remeasurement
    of retirement benefit schemes</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(92)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(92)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><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="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes
    in fair value of credit in financial liabilities designated at FVTPL due to own credit risk</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(25)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(25)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><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-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unrealised
    gains</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>24</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>24</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; background-color: #F2EAF9; 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; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Amounts
    recognised in equity</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(442)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(442)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(442)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Retranslation
    of net assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(283)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(283)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(283)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Gains
    on hedges of net assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>122</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>122</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>122</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Amount
    transferred from equity to earnings</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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</B></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>1,174</B></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>42</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,229</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,229</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>25</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>9</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>(198)</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>(18)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(182)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(182)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; 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>Total
    comprehensive income/(loss)</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>-</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>-</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>-</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>3,435</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>(8)</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>534</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>(137)</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>-</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>3,824</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>10</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>3,834</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Transactions
    with owners</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary
    share dividends paid</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(1,505)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(1,505)</B></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>-</B></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>(1,505)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid
    in equity dividends</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(202)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(202)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(202)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Securities
    issued</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>800</B></FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>800</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>800</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><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">(1,2)</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>(428)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>428</B></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>(1,171)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(1,171)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><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="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share
    based remuneration and shares vested under employee share schemes</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>142</B></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>(7)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>135</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>135</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own
    shares acquired</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(540)</B></FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</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>(540)</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; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(540)</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-top: black 1pt solid; 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
    30 September&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>10,416</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>4,690</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>2,034</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>11,195</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>(57)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>(1,365)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>704</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>10,881</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>38,498</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>41</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; border-top: black 1pt solid; 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>38,539</B></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: 38; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->38<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 16pt"><A NAME="a_021"></A>Condensed
consolidated statement of changes in equity</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 9pt">for the period ended 30
September&nbsp;2023 (unaudited) continued</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 COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</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: 6pt">Share&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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: 6pt">Other</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other
    reserves</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: 6pt">Total</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: 6pt">Non</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</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: 6pt">capital
    and</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: 6pt">Paid-in</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: 6pt">statutory</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: 6pt">Retained</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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: 6pt">Cash
    flow</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: 6pt">Foreign</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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: 6pt">owners'</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: 6pt">controlling</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: 6pt">Total&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</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: 6pt">share
    premium</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: 6pt">equity</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: 6pt">reserves
    (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: 6pt">earnings</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: 6pt">Fair
    value</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: 6pt">hedging</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: 6pt">exchange</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: 6pt">Merger</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: 6pt">equity</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: 6pt">&nbsp;interests</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: 6pt">equity</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; border-bottom: black 1pt solid; padding-bottom: 1pt">&nbsp;</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>At
    1 January&nbsp;2023</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">11,700</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">3,890</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">1,393</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">10,019</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">(102)</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">(2,771)</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">1,478</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">10,881</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">36,488</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>
    <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">36,496</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
  <TD COLSPAN="2" STYLE="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit/(loss)
  attributable to ordinary shareholders and other equity owners</FONT></TD>
  <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD>
</TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
    continuing operations</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">3,485</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">3,485</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">3,482</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
    discontinued operations</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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 COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">-</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></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Other
    comprehensive income</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Realised
    gains in period on FVOCI equity shares</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(2)</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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; padding-bottom: 1pt">&nbsp;</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></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Remeasurement
    of retirement benefit schemes</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(105)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(105)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(105)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes
    in fair value of credit in financial liabilities designated at FVTPL due to own credit risk</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(27)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(27)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(27)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Unrealised
    gains</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">68</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">68</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">68</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Amounts
    recognised in equity</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(821)</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(821)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(821)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Retranslation
    of net assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(189)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(189)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(189)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Gains
    on hedges of net assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">111</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">111</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">111</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Amount
    transferred from equity to earnings&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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</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</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">(323)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">323</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">323</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">27</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">(17)</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</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)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Total
    comprehensive income/(loss)</B></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">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; 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; border-top: Black 1pt solid; border-bottom: Black 1pt solid; 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; 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">3,244</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">82</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">(196)</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">(419)</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">-</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">2,711</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)</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">2,708</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Transactions
    with owners</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary
    share dividends paid</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(1,456)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(1,456)</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">(1,456)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid
    in equity dividends</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(182)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(182)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(182)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><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">(1,2)</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">(751)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">751</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">(1,852)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(1,852)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(1,852)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share
    based remuneration and shares vested under employee share schemes</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(10)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(10)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(10)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own
    shares acquired</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(279)</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(279)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">(279)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Acquisition
    of subsidiary</FONT></TD>
    <TD COLSPAN="8" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt">&nbsp;</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">32</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</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; border-top: black 1pt solid; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>At
    30 September&nbsp;2023</B></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">10,949</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">3,890</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">1,865</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">9,763</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">(20)</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">(2,967)</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">1,059</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">10,881</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">35,420</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">37</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">35,457</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; width: 2%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 36%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 8%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 6%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 6%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 6%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 6%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 5%; padding-bottom: 1pt">&nbsp;</TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.25in">&nbsp;</TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">As part
    of the On Market Share Buyback Programmes NatWest Group plc repurchased and cancelled 173.3 million (September&nbsp;2023 - 364.3
    million) shares. The total consideration of these shares excluding fees was &pound;450.9 million (September&nbsp;2023 - &pound;951.0
    million). Included in the retained earnings reserve movement is 2.3 million shares which were repurchased and cancelled in December&nbsp;2023,
    settled in January&nbsp;2024 for a total consideration of &pound;4.9 million. The nominal value of the share cancellations has been
    transferred to the capital redemption reserve.</FONT></TD></TR>
  <TR STYLE="font: 6pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">In June&nbsp;2024,
    there was an agreement to buy 392.4 million (May&nbsp;2023 - 469.2 million) ordinary shares of the Company from His Majesty&rsquo;s
    Treasury at 316.2 pence per share (May&nbsp;2023 - 268.4 pence per share) for total consideration of &pound;1.2 billion (May 2023
    - &pound;1.3 billion). NatWest Group cancelled 222.4 million (May 2023 - 336.2 million) of the purchased ordinary shares, amounting
    to &pound;706.9 million (May 2023 - &pound;906.9 million) excluding fees and held the remaining 170.0 million (May 2023 - 133.0 million)
    shares as Own Shares Held, amounting to &pound;540.2 million (May 2023 - &pound;358.8 million), excluding fees. The nominal value
    of the share cancellation has been transferred to the capital redemption reserve.</FONT></TD></TR>
  <TR STYLE="font: 6pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</FONT></TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other
    statutory reserves consist of Capital redemption reserves of &pound;2,935 million (2023 - &pound;2,402 million) and Own shares held
    reserves of (&pound;901) million (2023 &ndash; (&pound;537) million).</FONT></TD></TR>
  <TR STYLE="font: 6pt Arial, Helvetica, Sans-Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</FONT></TD>
    <TD STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes
    &pound;305 million FX recycled to profit or loss upon completion of a capital repayment by UBIDAC in 2023.</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 -->

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Notes</B></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"><A NAME="a_022"></A><FONT STYLE="font-size: 12pt">1.
Presentation of condensed consolidated financial statements</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_023"></A><FONT STYLE="font-size: 12pt">2.
Litigation and regulatory matters</FONT></P>

<P STYLE="font: 5pt 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 Interim Results 2024 on Form&nbsp;6-K, issued
on 26 July&nbsp;2024, included disclosures about NatWest Group's litigation and regulatory matters in Note 14. Set out below are the
material developments in those matters (which have been previously disclosed) since publication of the Interim Results 2024 on Form&nbsp;6-K.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Litigation</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">1MDB litigation</P>

<P STYLE="font: 5pt 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. 1MDB 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. 1MDB has appealed that decision and a prior decision by the court not to allow
them to discontinue their claim. Both appeals are scheduled to be heard in December&nbsp;2024.</P>

<P STYLE="font: 5pt 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>

</DIV>

<DIV STYLE="float: right; width: 48%"><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"><B>Regulatory matters</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D">Review and investigation of treatment of tracker mortgage
customers in Ulster Bank Ireland DAC</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In December&nbsp;2015, correspondence was received from the Central
Bank of Ireland setting out an industry examination framework in respect of the sale of tracker mortgages from approximately 2001 until
the end of 2015. The redress and compensation process has now largely concluded, although a small number of cases remain outstanding
relating to uncontactable customers.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">UBIDAC customers have lodged tracker mortgage complaints with the Financial
Services and Pensions Ombudsman (FSPO). UBIDAC challenged three FSPO adjudications in the Irish High Court. In June&nbsp;2023, the High
Court found in favour of the FSPO in all matters and a provision was recognised. UBIDAC appealed that decision to the Court of Appeal
and a hearing took place in February&nbsp;2024. In September&nbsp;2024, the Court of Appeal allowed UBIDAC&rsquo;s appeal and set aside
certain findings of the FSPO. The Court of Appeal directed one aspect of the FSPO decisions to be remitted to the FSPO for consideration
following an oral hearing.</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"><A NAME="a_024"></A><FONT STYLE="font-size: 12pt">3.
Post balance sheet events</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Other than as disclosed in this document, there have been no significant
events between 30 September&nbsp;2024 and the date of approval of this announcement which would require a change to, or additional disclosure,
in the announcement.</P>

</DIV>



<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->40<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>Additional information</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_025"></A><B>Other financial data</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">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 30 September&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="width: 83%">&nbsp;</TD>
    <TD STYLE="width: 17%; background-color: #F2E8F9"><P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5A287D"><B>As at<BR>
    30 September</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5A287D"><B>2024</B></P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>&pound;m</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5A287D"><B>Share
    capital - allotted, called up and fully paid</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Ordinary
    shares of &pound;1.0769</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>9,255</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Retained
    income and other reserves</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>29,243</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Owners&rsquo;
    equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>38,498</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5A287D"><B>NatWest
    Group indebtedness</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Trading
    liabilities - debt securities in issue</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>247</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><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: 1pt; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>61,876</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Subordinated
    liabilities</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>6,669</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Total
    indebtedness</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>68,792</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Total
    capitalisation and indebtedness</FONT></TD>
    <TD STYLE="padding-top: 1pt; border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>107,290</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 30 September&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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    <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: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><A NAME="a_026"></A><B>Non-IFRS financial measures</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">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 (ESMA) guidance
or non-GAAP financial measures in accordance with the Securities and Exchange Commission (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 a
reconciliation to the closest IFRS measure is presented where appropriate.</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: top; background-color: #5A287D">
    <TD STYLE="padding: 3pt 5.4pt 4pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Measure</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; width: 71%; border-top: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Description</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Cost:income ratio (excl. litigation and conduct)</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 2. Cost:income ratio (excl. litigation and conduct)
    on page&nbsp;44.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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. 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. </FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Customer deposits excluding central items</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Segmental performance on pages&nbsp;15-19 for components
    of calculation.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><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. Central items&nbsp;&amp; other includes
    Treasury repo activity and Ulster Bank RoI. &nbsp;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.</P>
    <P STYLE="padding-top: 5pt; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">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.</FONT> <FONT STYLE="font-size: 11pt">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Funded assets</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Condensed consolidated balance sheet on page&nbsp;37 for
    components of calculation.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Loan:deposit ratio (excl. repos and reverse repos)</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 5. Loan:deposit ratio (excl. repos and reverse repos)
    on page&nbsp;45.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loan:deposit ratio (excl. repos and reverse repos) is calculated
    as net customer loans held at amortised cost excluding reverse repos divided by total customer deposits excluding repos. This metric
    is used to assess liquidity.</P>
    <P STYLE="padding-top: 5pt; 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. The nearest ratio using IFRS measures is loan:deposit
    ratio. This is calculated as net loans to customers held at amortised cost divided by customer deposits.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NatWest Group return on tangible equity</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 6. NatWest Group return on tangible equity on page&nbsp;46.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">NatWest
    Group 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&rsquo; equity and average intangible assets. 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. The nearest ratio using IFRS measures is return on equity. This comprises profit attributable to ordinary shareholders
    divided by average total equity.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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: 9pt 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">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #5A287D">
    <TD STYLE="padding: 3pt 5.4pt 4pt; width: 29%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Measure</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; width: 71%; border-top: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Description</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Net interest margin (NIM) and average interest earning assets</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Segmental performance on pages&nbsp;15-19 for components
    of calculation.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    interest margin is net interest income, as a percentage of average interest earning assets (IEA). Average IEA are average IEA of
    the banking business of NatWest Group and 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.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Net loans to customers excluding central items</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Segmental performance on pages&nbsp;15-19 for components
    of calculation.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><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. 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.&nbsp;</P>
    <P STYLE="padding-top: 5pt; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Operating expenses excluding litigation and conduct</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 4. Operating expenses excluding litigation and conduct
    on page&nbsp;45.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The
    management analysis of operating expenses shows litigation and conduct costs separately. 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. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Segmental return on equity</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 7. Segmental return on equity on page&nbsp;46.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment
    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. This measure shows the return generated by operating segments
    on equity deployed.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Tangible net asset value (TNAV) per ordinary share</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 3. Tangible net asset value (TNAV) per ordinary share
    on page&nbsp;44.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">TNAV
    per ordinary share is calculated as tangible equity divided by the number of ordinary shares in issue. 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.
    The nearest ratio using IFRS measures is: net asset value (NAV) per ordinary share - this comprises ordinary shareholders&rsquo;
    interests divided by the number of ordinary shares in issue.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Total income excluding notable items</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 1. Total income excluding notable items on page&nbsp;44.</P></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
    income excluding notable items is calculated as total income less notable items. The exclusion of notable items aims to remove the
    impact of one-offs and other items which may distort period-on-period comparisons.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt 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: 9pt 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">&nbsp;</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: 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="2" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Nine
    months ended</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; 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%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</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">&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">2024</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; background-color: white">&nbsp;</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>
    <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; 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>
    <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; color: #5A287D"><B>Continuing
    operations</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>
    <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">Total income</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>10,878</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">11,215</FONT></TD>
    <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: 8pt; color: #5A287D"><B>3,744</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">3,659</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,488</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Less notable items:</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>
    <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; color: #5A287D"><B>Commercial&nbsp;&amp;
    Institutional</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>
    <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">&nbsp;&nbsp; Own credit
    adjustments (OCA)</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>(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">3</FONT></TD>
    <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: 8pt; color: #5A287D"><B>2</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">(2)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Central
    items&nbsp;&amp; other</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; 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>
    <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">&nbsp;&nbsp; Liquidity
    Asset Bond sale losses</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: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(33)</FONT></TD>
    <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: 8pt; color: #5A287D"><B>-</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">-</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(9)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp; Share of
    associate profits/(losses) for Business Growth Fund</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: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)</FONT></TD>
    <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: 8pt; color: #5A287D"><B>11</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">4</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">&nbsp;&nbsp; Property
    lease termination losses</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: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(69)</FONT></TD>
    <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: 8pt; color: #5A287D"><B>-</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">-</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(69)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp; Interest
    and FX management derivatives not in hedge accounting relationships</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>131</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">100</FONT></TD>
    <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: 8pt; color: #5A287D"><B>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">67</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">48</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">&nbsp;&nbsp;
    FX recycling (losses)/gains</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>(46)</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">322</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; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(46)</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">-</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">-</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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>102</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">318</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; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(28)</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">69</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">(26)</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
    income excluding notable items</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>10,776</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">10,897</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; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,772</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">3,590</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">3,514</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>2. Cost:income ratio (excl. litigation and conduct)</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="2" 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>Nine
    months ended</B></FONT></TD>
    <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: #5A287D"><B>Quarter
    ended</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: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</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">&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">2024</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; 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; 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; 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; 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; 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 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>Continuing
    operations</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&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>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</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">Operating
    expenses</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>5,882</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">5,842</FONT></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>1,825</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">2,005</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,927</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">Less
    litigation and conduct costs</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>(142)</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: 8pt">(242)</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(41)</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: 8pt">(77)</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: 8pt">(134)</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">Other
    operating expenses</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>5,740</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: 8pt">5,600</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,784</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: 8pt">1,928</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: 8pt">1,793</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: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" 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">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</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">Total
    income</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>10,878</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: 8pt">11,215</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,744</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: 8pt">3,659</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: 8pt">3,488</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">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; background-color: white">&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">Cost:income
    ratio</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>54.1%</B></FONT></TD>
    <TD STYLE="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">52.1%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: black 1pt solid; 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>48.7%</B></FONT></TD>
    <TD STYLE="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">54.8%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">55.2%</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">Cost:income
    ratio (excl. litigation and conduct)</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>52.8%</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: 8pt">49.9%</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: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>47.6%</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: 8pt">52.7%</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: 8pt">51.4%</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>3. Tangible net asset value (TNAV) per ordinary
share</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="background-color: white">
    <TD>&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>
    <TD STYLE="width: 79%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 7%; 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="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>2024</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">2024</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">2023</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary shareholders'
    interests (&pound;m)</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>33,808</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">32,831</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33,267</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">Less
    intangible assets (&pound;m)</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>(7,588)</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: 8pt">(7,590)</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: 8pt">(7,614)</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">Tangible
    equity (&pound;m)</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>26,220</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: 8pt">25,241</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: 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>
    <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">Ordinary shares in issue
    (millions)&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>8,293</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">8,307</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,792</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>
    <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; color: #5A287D"><B>NAV
    per ordinary share (pence)</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>408p</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">395p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">378p</FONT></TD></TR>
  <TR>
    <TD STYLE="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>TNAV
    per ordinary share (pence)</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>316p</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: 8pt">304p</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: 8pt">292p</FONT></TD></TR>
  </TABLE>
<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>The number of ordinary shares in issue excludes own shares held.</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 44; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->44<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt 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">&nbsp;</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in; color: #5A287D"><B>4. Operating expenses
excluding litigation and conduct</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="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" 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>Nine
    months ended</B></FONT></TD>
    <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: #5A287D"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 64%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</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">&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">2024</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; 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; 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; 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;m</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;m</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;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>Other
    operating expenses</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</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">Staff expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,060</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,878</FONT></TD>
    <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: 8pt; color: #5A287D"><B>947</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,064</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">904</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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>863</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">845</FONT></TD>
    <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: 8pt; color: #5A287D"><B>284</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">286</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">275</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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,063</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,194</FONT></TD>
    <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: 8pt; color: #5A287D"><B>307</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">343</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">400</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="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>754</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">683</FONT></TD>
    <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: 8pt; color: #5A287D"><B>246</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">235</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">214</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
    other operating expenses</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>5,740</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">5,600</FONT></TD>
    <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: 8pt; color: #5A287D"><B>1,784</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">1,928</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">1,793</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</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>Litigation
    and conduct costs</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</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">Staff expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>52</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">46</FONT></TD>
    <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: 8pt; color: #5A287D"><B>18</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">15</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">Other
    administrative expenses</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>90</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">196</FONT></TD>
    <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: 8pt; color: #5A287D"><B>23</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">56</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">119</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
    litigation and conduct costs</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>142</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">242</FONT></TD>
    <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: 8pt; color: #5A287D"><B>41</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">77</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">134</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</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>Total
    operating expenses</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>5,882</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,842</FONT></TD>
    <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: 8pt; color: #5A287D"><B>1,825</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,005</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,927</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>Operating
    expenses excluding litigation and conduct</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>5,740</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">5,600</FONT></TD>
    <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: 8pt; color: #5A287D"><B>1,784</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">1,928</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">1,793</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>5. Loan:deposit ratio (excl. repos and reverse repos)</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="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: #5A287D"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 79%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 7%; 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="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">2024</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; 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; 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; 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">Loans to customers -
    amortised cost</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>386,723</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">379,331</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">381,433</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">Less
    reverse repos</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>(25,115)</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: 8pt">(24,961)</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: 8pt">(27,117)</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>Loans
    to customers - amortised cost (excl. reverse repos)</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>361,608</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: 8pt">354,370</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: 8pt">354,316</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>
    <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">Customer deposits</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>431,070</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">432,975</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">431,377</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">Less
    repos</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>(2,482)</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: 8pt">(6,846)</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: 8pt">(10,844)</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>Customer
    deposits (excl. repos)</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>428,588</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: 8pt">426,129</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: 8pt">420,533</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan:deposit
    ratio (%)</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%</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">88%</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">88%</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan:deposit
    ratio (excl. repos and reverse repos) (%)</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>84%</B></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">83%</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">84%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 45; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2024</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->45<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</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: 9pt 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">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>6. NatWest Group return on tangible equity</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font: 6pt Arial, Helvetica, Sans-Serif; background-color: white">
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Nine
    months ended and as at</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>Quarter
    ended and as at</B></FONT></TD></TR>
  <TR STYLE="font: 6pt Arial, Helvetica, Sans-Serif">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD></TR>
  <TR STYLE="font: 6pt Arial, Helvetica, Sans-Serif">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5A287D"><B>2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 6pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2023</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; 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>&pound;m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; 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>&pound;m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;m</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;m</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; width: 63%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit
    attributable to ordinary shareholders</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; width: 1%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; width: 7%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>3,271</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; width: 7%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,165</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; width: 1%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; width: 7%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>1,172</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; width: 7%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,181</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; width: 7%; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">866</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Annualised
    profit attributable to ordinary shareholders&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4,361</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,220</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>4,688</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,724</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,464</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average
    total equity&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>37,707</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36,150</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>37,960</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37,659</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35,081</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><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: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; 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>(12,040)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(11,427)</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>(12,375)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(12,080)</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(11,583)</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjusted
    total tangible equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; 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>25,667</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24,723</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-top: black 1pt solid; 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>25,585</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25,579</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,498</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return
    on equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>11.6%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.7%</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5A287D"><B>12.3%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; 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; font: 8pt Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.9%</FONT></TD></TR>
  <TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return
    on tangible equity&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; 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>17.0%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.1%</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; 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>18.3%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; 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; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.7%</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>7. Segmental return on equity</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; background-color: white">&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>Nine
    months ended 30 September&nbsp;2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Nine
    months ended 30 September&nbsp;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: #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; 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; 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; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</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>Banking</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>Banking</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>Institutional</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Institutional</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 57%; border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating
    profit (&pound;m)</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; 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>1,754</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; 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>189</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; 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>2,724</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,053</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">293</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; border-top: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,511</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 cost allocation (&pound;m)</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>(56)</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)</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: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(43)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(17)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(125)</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">Adjustment
    for tax (&pound;m)</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>(475)</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>(49)</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>(649)</B></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(563)</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: 8pt">(77)</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: 8pt">(597)</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">Adjusted
    attributable profit (&pound;m)</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>1,223</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>127</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>1,946</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,447</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">199</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,790</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">Annualised
    adjusted attributable profit (&pound;m)</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>1,630</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>169</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>2,594</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,930</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">265</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,386</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">Average
    RWAe (&pound;bn)</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>62.7</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>11.1</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>108.0</B></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">56.9</FONT></TD>
    <TD STYLE="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">11.4</FONT></TD>
    <TD STYLE="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">105.6</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">Equity
    factor&nbsp;</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>13.4%</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>11.2%</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>13.8%</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.5%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.0%</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">Average
    notional equity (&pound;bn)</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>8.4</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>1.2</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>14.9</B></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7.7</FONT></TD>
    <TD STYLE="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">1.3</FONT></TD>
    <TD STYLE="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">14.8</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">Return
    on equity (%)</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>19.4%</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>13.6%</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>17.4%</B></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.1%</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: 8pt">20.3%</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: 8pt">16.1%</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: bottom">
    <TD STYLE="white-space: nowrap; background-color: white">&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>Quarter
    ended 30 September&nbsp;2024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter
    ended 30 June&nbsp;2024</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Quarter
    ended 30 September&nbsp;2023</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 35%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; 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; width: 7%; 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; width: 7%; 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; width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; 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: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial&nbsp;&amp;</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>Banking</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>Banking</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>Institutional</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</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">Banking</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">Banking</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">Institutional</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</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">Banking</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">Banking</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">Institutional</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">Operating
    profit (&pound;m)</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>656</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</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>1,017</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">609</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">938</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">493</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">770</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 cost allocation (&pound;m)</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>(5)</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>(47)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(18)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(43)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(13)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(39)</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">Adjustment
    for tax (&pound;m)</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>(178)</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>(24)</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>(243)</B></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(165)</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: 8pt">(17)</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: 8pt">(224)</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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(134)</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: 8pt">(15)</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: 8pt">(183)</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">Adjusted
    attributable profit (&pound;m)</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>456</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>61</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>728</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">426</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">671</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">346</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">38</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">548</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">Annualised
    adjusted attributable profit (&pound;m)</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>1,826</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>245</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>2,910</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,702</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">179</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,685</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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,382</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: 8pt">153</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: 8pt">2,193</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">Average
    RWAe (&pound;bn)</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>63.8</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>11.1</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>106.0</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="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">62.7</FONT></TD>
    <TD STYLE="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">11.1</FONT></TD>
    <TD STYLE="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">109.0</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">58.5</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.4</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">106.7</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">Equity
    factor&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>13.4%</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>11.2%</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>13.8%</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</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: 8pt">13.4%</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: 8pt">11.2%</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: 8pt">13.8%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.5%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.5%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.0%</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">Average
    notional equity (&pound;bn)</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>8.5</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>1.2</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>14.6</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8.4</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.2</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.0</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="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">7.9</FONT></TD>
    <TD STYLE="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">1.3</FONT></TD>
    <TD STYLE="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">14.9</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">Return
    on equity (%)</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>21.4%</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>19.7%</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>19.9%</B></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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20.3%</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: 8pt">14.4%</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: 8pt">17.8%</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; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.5%</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: 8pt">11.7%</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: 8pt">14.7%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 8pt 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: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5A287D"><B><A NAME="a_027"></A>Performance measures not defined
under IFRS</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">The table below summarises other performance measures used by NatWest
Group, not defined under IFRS, and therefore a reconciliation to the nearest IFRS measure is not applicable.</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: top; background-color: #5A287D">
    <TD STYLE="padding: 3pt 5.4pt 4pt; width: 21%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Measure</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; width: 79%; border-top: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Description</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Assets
    under management and administration (AUMA)</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><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.&nbsp;</P>
    <P STYLE="padding-top: 5pt; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; padding-bottom: 5pt">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.&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, and directly impacts the level of investment income that we receive.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AUMA
    net flows</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUMA net flows represents assets under management and assets under
    administration.&nbsp;</P>
    <P STYLE="padding-top: 5pt; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUMA net flows is reported and tracked to monitor
    the business performance of new business inflows and management of existing client withdrawals across Private Banking, Retail Banking
    and Commercial&nbsp;&amp; Institutional.</P></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Climate
    and sustainable funding and financing</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan
    impairment rate</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">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. </FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #F2EAF9">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Third
    party rates</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Third
    party customer asset rate is calculated as annualised interest receivable on third-party loans to customers as a percentage of third-party
    loans to customers. This excludes assets of disposal groups, intragroup items, loans to banks and liquid asset portfolios. Third
    party customer funding rate reflects interest payable or receivable on third-party customer deposits, including interest bearing
    and non- interest bearing customer deposits. Intragroup items, bank deposits, debt securities in issue and subordinated liabilities
    are excluded for customer funding rate calculation. </FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wholesale
    funding</FONT></TD>
    <TD STYLE="padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wholesale
    funding comprises deposits by banks (excluding repos), debt securities in issue and subordinated liabilities. 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. </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">Legal Entity Identifier: 2138005O9XJIJN4JPN90</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>


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<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: 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; 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: 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: 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; 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">25 October&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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