<SEC-DOCUMENT>0001104659-25-043760.txt : 20250502
<SEC-HEADER>0001104659-25-043760.hdr.sgml : 20250502
<ACCEPTANCE-DATETIME>20250502064820
ACCESSION NUMBER:		0001104659-25-043760
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20250502
FILED AS OF DATE:		20250502
DATE AS OF CHANGE:		20250502

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NatWest Group plc
		CENTRAL INDEX KEY:			0000844150
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				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:		25905441

	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>tm2513655d1_6k.htm
<DESCRIPTION>FORM 6-K
<TEXT>
<html>
<head>
     <title></title>
</head>
<body style="font: 10pt Times New Roman, Times, Serif">

<p style="margin: 0pt">&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; text-align: center">&nbsp;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Pursuant to Rule 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; text-align: center">&nbsp;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">2 May 2025</p>

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Commission file number: 001-10306</p>

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

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Form 6-K</p>

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

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

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

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">250 Bishopsgate</p>

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">EC2M 4AA</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; text-align: center">&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; text-align: center">&nbsp;</p>

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

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

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

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Form 20-F X&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;&nbsp;Form
40-F &nbsp;&nbsp;&nbsp;</p>

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

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">This report on Form 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 F-3 (File No. 333-284008) 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; text-align: center">&nbsp;</p>

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

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

<p style="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: rgb(90,40,125)"><font style="font-family: Arial, Helvetica, Sans-Serif"><b>Forward-looking
statements</b></font></p>

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

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: 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 with respect to NatWest
Group&rsquo;s financial condition, results of operations and business, including its strategic priorities, financial, investment and capital
targets, and ESG targets, commitments and ambitions described herein. Statements that are not historical facts, including statements about
NatWest Group&rsquo;s beliefs and expectations, are forward-looking statements. Words such as &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;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 are intended to identify forward-looking statements. In particular, this document
includes forward-looking targets and guidance relating to financial performance measures, such as income growth, operating expense, RoTE,
ROE, discretionary capital distribution targets, impairment loss rates, balance sheet reduction (including the reduction of RWAs), CET1
ratio (and key drivers of the CET1 ratio including timing, impact and details), Pillar 2 and other regulatory buffer requirements and
MREL and non-financial performance measures, such as NatWest Group&rsquo;s initial area of focus, climate and sustainability-related performance
ambitions, targets and metrics, including in relation to initiatives to transition to a net zero economy, Climate and Sustainable Funding
and Financing (CSFF) and financed emissions.</p>

<p style="font: 9pt 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>Limitations inherent to
forward-looking statements</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: 9pt 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>Important factors that could
affect the actual outcome of the forward-looking statements</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 2024 Annual Report
on Form 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 as a result of inflation and interest rates, supply chain disruption, and
geopolitical developments); changes in interest rates and foreign currency exchange rates; and HM Treasury&rsquo;s ownership of NatWest
Group plc); business change and execution risk (including in respect of the implementation of NatWest Group&rsquo;s strategy; future acquisitions
and divestments, 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 change 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; increasing levels of climate, environmental, human rights and sustainability-related regulation and oversight; and
increasing; climate, environmental and sustainability-related litigation, enforcement proceedings investigations and conduct risk); 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: 9pt 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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>

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

<p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Forward-looking statements continued</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: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Climate and sustainability-related disclosures
</b></p>

<p style="font: 10pt  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">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, our ambition to be net zero across our financed emissions, assets under
management and operational value chain by 2050 and 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 to the cautionary statement in
the section entitled &lsquo;Climate and sustainability-related and other forward-looking statements and metrics&rsquo; of the NatWest
Group 2024 Sustainability Report.</p>

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

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #5a287d"><b>Cautionary
statement regarding Non-IFRS financial measures and APMs</b></font> <font style="font-family: Segoe UI, Helvetica, Sans-Serif; font-size: 6pt; color: white">RBS\Finance\0000012\Secret</font></p>

<p style="font: 11pt Calibri, 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">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 and APMs 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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

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

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

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<p style="font: 9pt 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: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></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: 5pt">&nbsp;</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;, &lsquo;Group&rsquo; or &lsquo;we&rsquo; refers to NatWest Group plc and its subsidiaries.
The term &lsquo;NWH Group&rsquo; refers to NatWest Holdings Limited (&lsquo;NWH Limited&rsquo;) and its subsidiary and associated undertakings.
The term &lsquo;NWM Group&rsquo; refers to NatWest Markets Plc (&lsquo;NWM Plc&rsquo;) and its subsidiary and associated undertakings.
The term &lsquo;NWM N.V.&rsquo; refers to NatWest Markets N.V. The term &lsquo;NWM N.V. Group&rsquo; refers to NatWest Markets N.V. and
its subsidiary and associated undertakings. The term &lsquo;NWMSI&rsquo; refers to NatWest Markets Securities, 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;RBSI Ltd&rsquo; refers to The Royal Bank of Scotland International Limited.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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
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: 9pt 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 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 2021.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Any information contained on websites linked or reports referenced
in this interim results report for the three-month period ended 31 March 2025 on Form 6-K is for information only and will not be deemed
to be incorporated by reference herein.</p>

<p style="font: 9pt 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: 5pt">&nbsp;</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, or 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: 9pt 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: 9pt 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 38.</p>

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

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

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    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <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: 9pt 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: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 10pt">&nbsp;</font></p>

<div style="float: left; width: 49%">

<p style="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 10pt">&nbsp;</font></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td colspan="2" style="padding-right: 5.4pt; padding-left: 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"><font style="font-size: 5pt">&nbsp;</font></p></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt; width: 10%"><a href="#a_001"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>6</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt; width: 90%"><a href="#a_001"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Q1 2025 performance summary</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_002"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>7</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_002"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Performance key metrics and ratios</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_003"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>9</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_003"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Chief Financial Officer&rsquo;s review</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_004"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>10</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_004"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Retail Banking</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_005"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>11</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_005"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Private Banking</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_006"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>12</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_006"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Commercial &amp; Institutional</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_007"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>13</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_007"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Central items &amp; other</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_008"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>14</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_008"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment performance</font></a></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-left: 6pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</td>
    <td style="padding-left: 5.4pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="2" style="padding-right: 5.4pt; padding-bottom: 2pt; padding-left: 5.4pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #5a287d"><b>Risk and capital management</b></font></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_009"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>17</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_009"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Credit risk</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_010"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>17</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_010"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment analysis &ndash; portfolio summary</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_010"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>18</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_010"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segment analysis &ndash; loans</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_011"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>18</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_011"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Movement in ECL provision</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_012"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>19</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_012"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">ECL post model adjustments</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_013"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>20</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_013"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Sector analysis &ndash; portfolio summary</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_014"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>25</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_014"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Capital, liquidity and funding risk</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</td>
    <td style="padding-left: 5.4pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="2" style="padding-right: 5.4pt; padding-bottom: 2pt; padding-left: 5.4pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #5a287d"><b>Financial statements and notes</b></font></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_015"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>32</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_015"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Condensed consolidated income statement</font></a></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_016"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>33</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_016"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Condensed consolidated statement of comprehensive income</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_017"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>34</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_017"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Condensed consolidated balance sheet</font></a></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_018"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>35</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_018"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Condensed consolidated statement of changes in equity</font></a></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_019"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>36</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_019"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Presentation of condensed consolidated financial statements</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_020"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>36</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_020"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Litigation</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_021"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>36</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_021"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Post balance sheet events</font></a></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d"><b></b></p>

</div>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<div style="float: right; width: 49%">

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d"><b>&nbsp;</b></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td colspan="2" style="padding-right: 5.4pt; padding-bottom: 2pt; padding-left: 5.4pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #5a287d"><b>Additional information</b></font></td></tr>
  <tr>
    <td style="padding-left: 6pt; width: 10%; border-left: #5A287D 2.25pt solid; border-bottom: gray 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_022"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>37</b></font></a></td>
    <td style="padding-left: 5.4pt; width: 90%; border-bottom: gray 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_022"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other financial data</font></a></td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="2" style="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="2" style="padding-right: 5.4pt; padding-bottom: 2pt; padding-left: 5.4pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #5a287d"><b>Appendix </b></font></td></tr>
  <tr>
    <td style="padding-left: 6pt; border-right: white 1pt solid; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_023"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b>38</b></font></a></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid; padding-top: 2pt; padding-bottom: 2pt"><a href="#a_023"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Non-IFRS financial measures</font></a></td></tr>
  <tr>
    <td style="padding-left: 6pt; vertical-align: bottom; border-right: white 1pt solid; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding-top: 2pt; padding-bottom: 2pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 9pt; color: #5a287d"><b><a href="#a_024">43</a></b></font></td>
    <td style="padding-left: 5.4pt; border-bottom: #A6A6A6 1pt solid">
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><a href="#a_024">Performance measures not defined under IFRS</a></p></td></tr>
  </table>
<p style="font: 8.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145f"><b>&nbsp;</b></p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 8.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145f"><b>&nbsp;</b></p>

</div>

<p style="font: 8.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145f"><b></b></p>


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    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
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<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #42145f">&nbsp;</p>

<p style="font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b><a name="a_001"></a>Q1 2025 performance summary</b></p>

<p style="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Chief Executive, Paul Thwaite, commented:</p>

<p style="font: 12pt  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">&ldquo;Our strong first quarter performance demonstrates the positive
momentum in our business as we deliver against clear strategic priorities, and we now expect to be at the upper end of our income and
returns guidance for 2025. This performance is underpinned by continued growth across our three businesses and the support we provide
to over 19 million customers, whether that is buying a home, growing a business or investing their money.</p>

<p style="font: 9pt 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">In the face of increased global economic uncertainty, our customers
remain resilient and we saw good levels of activity through Q1 2025. The strength of our balance sheet means we are well placed to help
our customers navigate any challenges, whilst also investing in our business and delivering returns to shareholders. At a time when there
is a clear intent to deliver economic growth, NatWest Group is able to play an important role, shaping our future as a vital and trusted
partner to our customers and to the UK itself.&rdquo;</p>

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

<div style="float: left; width: 49%">

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

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Strong Q1 2025 performance </b></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Attributable profit of &pound;1,252 million, with earnings
per share of 15.5 pence, return on equity of 12.4% and a return on tangible equity (RoTE) of 18.5% driving capital generation pre-distributions
of 49 basis points for the quarter.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Q1 2025 total income of &pound;3,980 million was &pound;155
million, or 4.1%, higher than Q4 2024 and was &pound;505 million, or 14.5%, higher than Q1 2024. Total income excluding notable items<sup>(1)</sup>
of &pound;3,952 million was &pound;80 million, or 2.1%, higher than Q4 2024, due to deposit margin expansion and increased trading income
partially offset by the impact of two fewer days in the quarter, and was &pound;538 million higher than Q1 2024 principally reflecting
deposit margin expansion, balance growth and increased trading income.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin (NIM) of 2.27% was 8 basis points higher
than Q4 2024 principally reflecting deposit margin expansion.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Q1 2025 operating expenses of &pound;1,979 million were
 &pound;288 million, or 12.7%, lower than Q4 2024 and were &pound;73 million, or 3.6%, lower than Q1 2024. Other operating expenses were
 &pound;179 million, or 8.5%, lower than Q4 2024, reflecting seasonally higher costs in Q4 2024 and lower strategic costs relating to property
exits, and were &pound;93 million, or 4.6%, lower than Q1 2024 due to the timing of property exits and ongoing business transformation.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A net impairment charge in Q1 2025 of &pound;189 million,
or 19 basis points of gross customer loans, with levels of default stable. This compares to a net impairment charge in Q4 2024 of &pound;66
million, or 7 basis points of gross customer loans.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

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

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers of &pound;398.8 billion at Q1 2025
were &pound;1.5 billion, or 0.4%, lower than Q4 2024. Net loans to customers excluding central items increased by &pound;3.4 billion,
or 0.9%, in the quarter to &pound;371.9 billion largely driven by mortgages and growth in Corporate &amp; Institutions. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">In the quarter we achieved our target to provide &pound;100
billion climate and sustainable funding and financing between 1 July 2021 and the end of 2025.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits of &pound;434.6 billion at Q1 2025 were
 &pound;1.1 billion, or 0.3%, higher than Q4 2024. Customer deposits excluding central items increased by &pound;2.1 billion, or 0.5%,
in the quarter due to growth in Commercial &amp; Institutional and Retail Banking, partially offset by a reduction in Private Banking
due to seasonal tax payments.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

</div>

<div style="float: right; width: 49%">

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The liquidity coverage ratio (LCR) of 150%, representing
 &pound;54.2 billion headroom above 100% minimum requirement, remained in line with Q4 2024 as increased lending was partially offset by
increased issuance. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">NAV per share increased by 17 pence in Q1 2025 to 441 pence.
TNAV per share increased by 18 pence in the quarter to 347 pence primarily reflecting the attributable profit for the period.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Common Equity Tier 1 (CET1) ratio of 13.8% was 20 basis
points higher than 31 December 2024.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs increased by &pound;3.8 billion in the quarter to &pound;187.0
billion largely reflecting the annual operational risk update of &pound;2.2 billion and lending growth partially offset by &pound;1.2
billion of RWA management actions.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 8pt">&nbsp;</font></p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Outlook<sup>(2)</sup></p>

<p style="font: 12pt  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">The following statements are based on our current expectations for
interest rates and economic conditions. We recognise increased global economic uncertainty and will monitor and react to market conditions
and refine our internal forecasts as the economic position evolves.</p>

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

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">In 2025 we expect:</p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">to achieve a return on tangible equity at the upper end
of our previously guided range of 15-16%. </font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">income excluding notable items to be at the upper end of
our previously guided range of &pound;15.2-15.7 billion. </font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Group operating costs, excluding litigation and conduct
costs, to be around &pound;8.1 billion including &pound;0.1 billion of one-time integration costs.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">our loan impairment rate to be below 20 basis points. </font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs to be in the range of &pound;190-195 billion at the
end of 2025, dependent on final CRD IV model outcomes.</font></td></tr></table>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.2pt">&nbsp;</p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">In 2027 we expect:</p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</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 15%.</font></td></tr></table>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.2pt">&nbsp;</p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0 5pt; color: #5a287d">Capital:</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">we continue to target a CET1 ratio in the range of 13-14%.
</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">we expect to pay ordinary dividends of around 50% of attributable
profit from 2025 and will consider buybacks as appropriate.</font></td></tr></table>

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

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details
of notable items.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The guidance, targets, expectations and trends discussed
in this section represent NatWest Group plc management&rsquo;s current expectations and are subject to change, including as a result of
the factors described in the NatWest Group plc Risk Factors in the 2024 Annual Report on Form 20-F issued on 21 February 2025. These statements
constitute forward-looking statements. Refer to Forward-looking statements in this announcement.</font></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

</div>

<div style="clear: both; width: 100%">

<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

</div>

<p style="margin-top: 0; margin-bottom: 0"></p>

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<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<p style="font: 16pt  Arial, Helvetica, Sans-Serif; color: rgb(90,40,125); margin: 0pt 0">Business performance summary</p>

<p style="color: #5a287d; font: 16pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="color: #42145f; font: 1pt  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="5" style="text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; width: 50%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td>
    <td style="white-space: nowrap; width: 10%; border-top: black 1pt solid; 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>2025</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; color: black">2024</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; color: black">2024</font></td>
    <td style="white-space: nowrap; 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; color: #5a287d"><b>Summary consolidated income statement</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><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></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; color: black">&pound;m</font><font style="font-size: 6pt; color: black">&nbsp;</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; color: black">Variance</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; color: black">&pound;m</font><font style="font-size: 6pt; color: black">&nbsp;</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; color: black">Variance</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: black">Net interest 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>3,026</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; color: black">2,968</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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; color: black">2,651</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.1%</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: black">Non-interest 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>954</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; color: black">857</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; color: black">11.3%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">824</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; color: black">15.8%</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; color: #5a287d"><b>Total income</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>3,980</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; color: black">3,825</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; color: black">4.1%</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; color: black">3,475</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; color: black">14.5%</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: black">Litigation and conduct costs</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(44)</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(153)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(71.2%)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(24)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">83.3%</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: black">Other 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>(1,935)</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; color: black">(2,114)</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; color: black">(8.5%)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2,028)</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; color: black">(4.6%)</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; color: #5a287d"><b>Operating expenses</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>(1,979)</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; color: black">(2,267)</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; color: black">(12.7%)</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; color: black">(2,052)</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; color: black">(3.6%)</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>Profit before impairments</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>2,001</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; color: black">1,558</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">28.4%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,423</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">40.6%</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: black">Impairment losses</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>(189)</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; color: black">(66)</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; color: black">186.4%</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; color: black">(93)</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; color: black">103.2%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating profit before tax</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>1,812</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; color: black">1,492</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21.4%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,330</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">36.2%</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; color: black">Tax charge</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(471)</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; color: black">(233)</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; color: black">102.1%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(339)</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; color: black">38.9%</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; color: #5a287d"><b>Profit from continuing operations</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>1,341</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; color: black">1,259</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; color: black">6.5%</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; color: black">991</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; color: black">35.3%</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>Profit/(loss) from discontinued operations, net of tax</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: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">69</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; color: black">(100.0%)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(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; color: black">(100.0%)</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; color: #5a287d"><b>Profit for the period</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>1,341</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; color: black">1,328</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; color: black">1.0%</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; color: black">987</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; color: black">35.9%</font></td></tr>
  <tr style="background-color: white">
    <td>&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><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; border-bottom: black 1pt solid">&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="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Notable items within total income</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>&pound;28m</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; color: black">&pound;(47)m</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">&pound;61m</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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; color: black">Total income excluding notable items</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>&pound;3,952m</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; color: black">&pound;3,872m</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; color: black">2.1%</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; color: black">&pound;3,414m</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; color: black">15.8%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net interest margin</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>2.27%</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; color: black">2.19%</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; color: black">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; color: black">2.05%</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; color: black">22bps</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Average interest earning assets</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>&pound;542bn</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; color: black">&pound;539bn</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; color: black">0.6%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">&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; color: black">4.0%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Cost:income ratio (excl. litigation and conduct)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>48.6%</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; color: black">55.3%</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; color: black">(6.7%)</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; color: black">58.4%</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; color: black">(9.8%)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loan impairment rate</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>19bps</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; color: black">7bps</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; color: black">12bps</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; color: black">10bps</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; color: black">9bps</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Profit attributable to ordinary shareholders</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>&pound;1,252m</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; color: black">&pound;1,248m</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; color: black">0.3%</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; color: black">&pound;918m</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; color: black">36.4%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total earnings per share attributable to ordinary shareholders - basic</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>15.5p</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; color: black">15.3p</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; color: black">0.2p</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; color: black">10.5p</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; color: black">5.0p</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Return on tangible equity (RoTE)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>18.5%</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; color: black">19.0%</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; color: black">(0.5%)</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; color: black">14.2%</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; color: black">4.3%</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: black">Climate and sustainable funding and financing</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>&pound;7.8bn</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">&pound;8.1bn</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; color: black">(3.7%)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">&pound;6.6bn</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; color: black">18.2%</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">nm = not meaningful</p>

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

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

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

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

<!-- Field: Page; Sequence: 7; Value: 2 -->
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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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Business performance summary continued</p>

<p style="color: #5a287d; font: 9pt 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; color: #5a287d"><b>As at</b></font></td></tr>
  <tr>
    <td style="width: 50%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; width: 10%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 10%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 10%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 10%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 10%; background-color: white">&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>2025</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; color: black">2024</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; color: black">2024</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white">&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; color: black">&pound;bn</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; color: black">Variance</font></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font><font style="font-size: 6pt; color: black">&nbsp;</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; color: black">Variance</font></td></tr>
  <tr>
    <td style="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; 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="vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total assets</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>710.0</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; color: black">708.0</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; color: black">0.3%</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; color: black">697.5</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; color: black">1.8%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loans to customers - amortised cost</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>398.8</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; color: black">400.3</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; color: black">(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; color: black">378.0</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; color: black">5.5%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loans to customers excluding central items</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1,3)</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>371.9</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; color: black">368.5</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; color: black">0.9%</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; color: black">357.0</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; color: black">4.2%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loans to customers and banks - amortised cost and FVOCI</font><font style="font-size: 8pt; color: black">&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>409.5</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; color: black">410.2</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; color: black">(0.2%)</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; color: black">387.7</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; color: black">5.6%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total impairment provisions</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(4)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3.5</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; color: black">3.4</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; color: black">2.9%</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; color: black">3.6</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; color: black">(2.8%)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Expected credit loss (ECL) coverage ratio</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.86%</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; color: black">0.83%</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; color: black">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; color: black">0.94%</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; color: black">(8)bps</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Assets under management and administration (AUMA)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>48.5</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; color: black">48.9</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; color: black">(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; color: black">43.1</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; color: black">12.5%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Customer deposits</font><font style="font-size: 8pt; color: black">&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>434.6</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; color: black">433.5</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; color: black">0.3%</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; color: black">432.8</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; color: black">0.4%</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: black">Customer deposits excluding central items</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1,3)</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>433.4</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; color: black">431.3</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; color: black">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; color: black">420.0</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; color: black">3.2%</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: #F2EAF9">&nbsp;</td>
    <td colspan="4" style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Liquidity coverage ratio (LCR)</font></td>
    <td style="white-space: nowrap; 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; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">150%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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; color: black">(1%)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Liquidity portfolio</font><font style="font-size: 8pt; color: black">&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>222</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; color: black">222</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">229</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3.1%)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net stable funding ratio (NSFR)</font></td>
    <td style="white-space: nowrap; 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="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">137%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(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; color: black">136%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loan:deposit ratio (excl. repos and reverse repos)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>85%</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; color: black">85%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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; color: black">1%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total wholesale funding</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>87</b></font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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; color: black">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; color: black">87</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</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: black">Short-term wholesale funding</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>33</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; color: black">33</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; color: black">-</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; color: black">31</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; color: black">6.5%</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: #F2EAF9">&nbsp;</td>
    <td colspan="4" style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Common Equity Tier 1 (CET1) ratio</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(5)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>13.8%</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; color: black">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; color: black">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; color: black">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; color: black">30bps</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total capital ratio</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(5)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>20.6%</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; color: black">19.7%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">90bps</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">18.8%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">180bps</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Pro forma CET1 ratio (excl. foreseeable items)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(6)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>14.8%</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; color: black">14.3%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">50bps</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.3%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">50bps</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Risk-weighted assets (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>187.0</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; color: black">183.2</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; color: black">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; color: black">186.3</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.4%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">UK leverage ratio</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>5.2%</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; color: black">5.0%</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; color: black">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; color: black">5.1%</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.1%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Tangible net asset value (TNAV) per ordinary share</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1,7)</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>347p</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; color: black">329p</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">18p</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">302p</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">45p</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: black">Number of ordinary shares in issue (millions)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(7)</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>8,067</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; color: black">8,043</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; color: black">0.3%</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; color: black">8,727</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; color: black">(7.6%)</font></td></tr>
  </table>
<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details
of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest Group uses its climate and sustainable funding and
financing inclusion (CSFFI) criteria to determine the assets, activities and companies that are eligible to be included within its climate
and sustainable funding and financing target. This includes provision of committed (on and off-balance sheet) funding and financing, including
provision of services for underwriting issuances and private placements. Climate and sustainable funding and financing, as defined in
our CSFFI criteria, represents only a relatively small proportion of our overall funding and financing.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central items includes treasury repo activity.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes &pound;0.1 billion relating to off-balance sheet
exposures (31 December 2024 &ndash; &pound;0.1 billion; 31 March 2024 - &pound;0.1 billion).</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(5)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Capital, liquidity and funding risk section
for details of the basis of preparation.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(6)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The pro forma CET1 ratio at 31 March 2025 excludes foreseeable
item of &pound;1,875 million for ordinary dividends. (31 December 2024 excludes foreseeable items of &pound;1,249 million for ordinary
dividends; 31 March 2024 excludes foreseeable items of &pound;1,633 million: &pound;1,380 million for ordinary dividends and &pound;253
million foreseeable charges).</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(7)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The number of ordinary shares in issue excludes own shares
held.</font></td></tr></table>

<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></p>

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    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>




<p style="font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: rgb(90,40,125)"><b><a name="a_003"></a>Chief Financial Officer&rsquo;s
review</b></p>

<div style="float: left; width: 49%">

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

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We delivered a strong performance in the first quarter of 2025 with
an operating profit of &pound;1,812 million, return on equity of 12.4% and RoTE of 18.5%. Total income of &pound;3,980 million in Q1 2025
increased by &pound;155 million compared to Q4 2024. Total income excluding notable items increased &pound;80 million compared with Q4
2024 and we continue to see stable levels of default across our portfolio, with a net impairment charge of 19 basis points of gross customer
loans.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Net loans to customers of &pound;398.8 billion decreased by
 &pound;1.5 billion in Q1 2025. Net loans to customers excluding central items increased &pound;3.4 billion in the quarter, largely
in Retail Banking mortgages and Corporate &amp; Institutions, and customer deposits excluding central items were &pound;2.1 billion
higher despite the impact of elevated tax payments. We remain in a strong liquidity position, with an LCR of 150%, representing
 &pound;54.2 billion headroom above 100% minimum requirement. Our CET1 ratio remains within our targeted range at 13.8%. The UK
Government&rsquo;s stake has reduced to less than 2%.</p>

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

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Strong Q1 2025 financial performance</b></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 17.85pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income increased by 4.1% to &pound;3,980 million compared
with Q4 2024 and was 14.5% higher than Q1 2024. Total income excluding notable items of &pound;3,952 million was &pound;80 million, or
2.1%, higher than Q4 2024 due to deposit margin expansion, lending growth and strong customer activity in trading income partially offset
by the impact of two fewer days in the quarter, and was &pound;538 million higher than Q1 2024 principally reflecting deposit margin expansion
and balance growth and strong customer activity in trading income.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 17.85pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">NIM of 2.27% was 8 basis points higher than Q4 2024 principally
reflecting deposit margin expansion.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 17.85pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total operating expenses were &pound;288 million lower than
Q4 2024 and &pound;73 million lower than Q1 2024. Other operating expenses were &pound;179 million, or 8.5%, lower than Q4 2024, reflecting
seasonally higher costs in Q4 2024 and lower strategic costs relating to property exits, and included one-time integration costs of &pound;7
million. Other operating expenses were &pound;93 million, or 4.6%, lower than Q1 2024 due to the timing of property exits and ongoing
business transformation. We remain committed to deliver on our full year cost guidance <sup>(1)</sup>.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 17.85pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A net impairment charge of &pound;189 million, or 19 basis
points of gross customer loans, with stable levels of default across the portfolio. Compared with Q4 2024, our ECL provision increased
by &pound;0.1 billion to &pound;3.5 billion and our ECL coverage ratio has increased from 0.83% to 0.86%. We retain post model adjustments
of &pound;0.3 billion related to economic uncertainty, or 8.7% of total impairment provisions. Whilst we remain comfortable with the strong
credit performance of our book, we continue to assess this position.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 0.25in"><font style="font-family: Symbol; font-size: 9pt; color: #5a287d">-</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 Q1 2025 of &pound;1,252 million, with earnings per share of 15.5 pence, return on equity of 12.4% and a RoTE of 18.5%.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"></p>

</div>

<p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b></b></p>

<div style="float: right; width: 49%">

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

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

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers of &pound;398.8 billion decreased
by &pound;1.5 billion in Q1 2025. Net loans to customers excluding central items increased by &pound;3.4 billion in the quarter to &pound;371.9
billion primarily reflecting a &pound;2.0 billion increase in Retail Banking mortgage balances and a &pound;1.2 billion increase in Commercial
 &amp; Institutional, driven by growth in Corporate &amp; Institutions, partly offset by &pound;0.4 billion of UK Government scheme repayments.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits of &pound;434.6 billion increased by &pound;1.1
billion in Q1 2025. Customer deposits excluding central items increased by &pound;2.1 billion in the quarter to &pound;433.4 billion reflecting
 &pound;2.4 billion growth in Commercial &amp; Institutional, largely in Corporate &amp; Institutions and Commercial Mid-market excluding
the impact of client transfers and a &pound;0.9 billion increase in Retail Banking, largely current accounts, partially offset by a &pound;1.2
billion reduction in Private Banking due to seasonal tax payment outflows. Term balances remain stable at 16% of our book, in line with
Q4 2024. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The LCR of 150%, representing &pound;54.2 billion headroom
above 100% minimum requirement, remained in line with Q4 2024 as increased lending was partially offset by increased issuance. Our primary
liquidity at Q1 2025 was &pound;163.1 billion, of which &pound;95.1 billion (58%) was cash at central banks. Total wholesale funding increased
by &pound;1.7 billion in the quarter to &pound;87.2 billion.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">NAV per share increased by 17 pence in Q1 2025 to 441 pence.
TNAV per share increased by 18 pence in the quarter to 347 pence primarily reflecting the attributable profit for the period.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The CET1 ratio of 13.8% increased by 20 basis points in
the quarter as the attributable profit for the quarter, c.70 basis points, was partially offset by the increase in RWAs, c.30 basis points,
and a c.30 basis points ordinary dividend deduction as we accrue to 50% of attributable profit.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs increased &pound;3.8 billion in the quarter to &pound;187.0
billion largely reflecting lending growth, an increase for CRD IV models of &pound;0.8 billion and a &pound;2.2 billion increase associated
with the annual update to operational risk partially offset by RWA management actions of &pound;1.2 billion.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The guidance, targets, expectations and trends discussed
in this section represent NatWest Group plc management&rsquo;s current expectations and are subject to change, including as a result of
the factors described in the NatWest Group plc Risk Factors in the 2024 Annual Report on Form 20-F issued on 21 February 2025. These statements
constitute forward-looking statements. Refer to Forward-looking statements in this announcement.</font></td></tr></table>

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

</div>

<div style="clear: both; width: 100%">

<p style="font: 9pt 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>
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<p style="font: 8pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">Business performance summary</p>

<p style="color: #5a287d; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<div style="float: left; width: 49%">

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_004"></a>Retail Banking</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 58%">&nbsp;</td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total income</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>1,540</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,501</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; color: black">1,325</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>(681)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(808)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(773)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">of which: Other operating expenses</font></i></td>
    <td 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>(677)</i></b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(714)</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(767)</i></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment 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>(109)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(16)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(63)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Operating profit</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>750</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">677</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">489</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 style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Return on equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>24.5%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21.4%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.5%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Net interest margin</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>2.58%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.47%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.22%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Cost:income ratio (excl. litigation and conduct)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>44.0%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">47.6%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">57.9%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Loan impairment rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>21bps</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3bps</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; color: black">12bps</font></td></tr>
  </table>
<p style="font: 8pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #42145f"><b>As at</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 58%; 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>31 March</b></font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers (amortised cost)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>210.4</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208.4</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">203.5</font></td></tr>
  <tr>
    <td style="white-space: nowrap; 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: #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="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">194.8</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">190.0</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">RWAs</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>66.8</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">65.5</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">62.5</font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details
of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</font></td></tr></table>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During Q1 2025, Retail Banking delivered a return on equity of 24.5%
and an operating profit of &pound;750 million, with continued positive income and net interest margin momentum from deposit margin expansion.
We have continued to support our 18.2 million Retail Banking customers with continued improvements to our digital journeys and have announced
a wide-ranging collaboration with Open AI focused on deploying generative AI to meet customers&rsquo; needs faster and more effectively.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Retail Banking provided &pound;1.1 billion of climate and sustainable
funding and financing in Q1 2025 from lending on properties with an EPC rating of A or B.</p>

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

</div>

<div style="float: right; width: 49%">

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

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income was &pound;39 million, or 2.6% higher than
Q4 2024 reflecting deposit margin expansion, partly offset by the impact of two fewer days in the quarter. Total income was &pound;215
million, or 16.2%, higher compared with Q1 2024 reflecting deposit margin expansion and deposit balance growth. This was partly offset
by the impact of the deposit balance mix shift from non-interest bearing to interest bearing balances and asset margin compression. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin was 11 basis points higher than Q4 2024
largely reflecting the factors noted above.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;681 million were &pound;127
million, or 15.7%, lower than Q4 2024 and &pound;92 million, or 11.9% lower than Q1 2024. Other operating expenses were &pound;37 million,
or 5.2%, lower than Q4 2024 reflecting the non-repeat of the Q4 2024 annual Bank Levy, together with lower severance and property exit
costs, partly offset by the Q1 2025 Bank of England Levy. Other operating expenses were &pound;90 million, or 11.7%, lower than Q1 2024
due to lower severance and property exit costs, a 9.2% reduction in headcount and lower non-staff costs. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</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;16 million charge in Q4 2024 and a &pound;63 million charge in Q1 2024, largely driven by the non-repeat of good book releases.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers increased by &pound;2.0 billion,
or 1.0%, in Q1 2025 driven by &pound;2.0 billion higher mortgage balances, supported by the acceleration of new lending ahead of the increase
in Stamp Duty Land Tax on 1 April 2025. Personal advances increased by &pound;0.1 billion, or 1.2%, higher with credit card balances broadly
in line with Q4 2024.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits increased by &pound;0.9 billion, or 0.5%,
in Q1 2025, driven by overall personal market growth, partly offset by seasonal tax payments.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs increased by &pound;1.3 billion, or 2.0%, in Q1 2025
primarily due to the annual recalculation of operational risk, model updates and book movements.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

</div>


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<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0">Business performance summary continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<div style="float: left; width: 49%">

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_005"></a>Private Banking</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; width: 58%">&nbsp;</td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="text-align: right; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="vertical-align: middle; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="vertical-align: middle; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="vertical-align: middle; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total income</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>265</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">272</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; color: black">208</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">o</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-weight: normal; color: black"><i>f which: AUMA income</i></font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>72</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">72</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">62</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>(187)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(194)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(181)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">o</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-weight: normal; color: black"><i>f 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>(187)</i></b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(192)</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(180)</i></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment (losses)/releases</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Operating profit</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>77</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">75</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">33</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 style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Return on equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>17.1%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.3%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6.7%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Net interest margin</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>2.59%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.72%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.06%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Cost:income ratio (excl. litigation and conduct)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>70.6%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">70.6%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">86.5%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Loan impairment rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>2bps</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">7bps</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(13)bps</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">AUMA net flows (&pound;bn)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>0.8</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1.0</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; color: black">0.3</font></td></tr>
  </table>
<p style="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145f"><b>&nbsp;</b></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify; color: #42145f"><b>&nbsp;</b></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>As at</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; width: 58%; 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>31 March</b></font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="text-align: right; white-space: nowrap; background-color: white; vertical-align: middle">&nbsp;</td>
    <td style="vertical-align: middle; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="vertical-align: middle; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="vertical-align: middle; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net loans to customers (amortised cost)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>18.4</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">18.2</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">18.2</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Customer deposits</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>41.2</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">42.4</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">37.8</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Assets under management (AUM)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>36.7</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">37.0</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">33.6</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Assets under administration (AUA)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>11.8</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11.9</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9.5</font></td></tr>
  <tr>
    <td style="text-indent: -0.125in; padding-left: 0.125in; white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Total
    assets under management and <br>
</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">administration
    (AUMA)&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>48.5</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">48.9</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">43.1</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Total combined assets and liabilities (CAL)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>106.9</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">108.4</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">97.9</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: black">RWAs</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>11.3</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; color: black">11.0</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; color: black">11.3</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details
of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">CAL refers to customer deposits, net loans to customers
and AUMA. To avoid double counting, investment cash is deducted as it is reported within customer deposits and AUMA.</font></td></tr></table>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During Q1 2025, Private Banking continued to deliver a strong performance
with an operating profit of &pound;77 million and return on equity of 17.1%. We have continued to see strong AUM net flows and stabilisation
of our lending balances. We have continued to support our customers by launching our new online investment advice service, enabling us
to deliver investment advice at scale for retail and premier banking customers. We have improved client experience through the launch
of two new digital account opening journeys for Coutts customers.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Private Banking provided &pound;0.1 billion of climate and sustainable
funding and financing in Q1 2025, principally in relation to mortgages on residential properties with an EPC rating of A or B and wholesale
transactions.</p>

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

</div>

<div style="float: right; width: 49%">

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

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income was &pound;7
million, or 2.6% lower than Q4 2024 primarily reflecting the non-repeat of a &pound;13 million effective interest rate adjustment following
a review of customer mortgage repayment behaviour in Q4 2024 and impact of two fewer days in the quarter, partly offset by deposit margin
expansion. Total income was &pound;57 million, or 27.4% higher than Q1 2024 largely driven by deposit margin expansion and higher non-interest
income.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><font style="font-size: 7pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin was 13
basis points lower than Q4 2024 largely reflecting the factors noted above.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><font style="font-size: 7pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;187
million were &pound;7 million, or 3.6%, lower than Q4 2024 and &pound;6 million, or 3.3% higher than Q1 2024. Other operating expenses
were &pound;5 million, or 2.6%, lower than Q4 2024 primarily reflecting the non-repeat of the Q4 2024 annual Bank Levy, partly offset
by the Q1 2025 Bank of England Levy and higher severance costs. Other operating expenses were &pound;7 million, or 3.9%, higher than Q1
2024 largely due to higher severance costs and higher investment spend.</font></td></tr></table>

<p style="font: 7pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An impairment charge of &pound;1
million, compared with a &pound;3 million charge in Q4 2024 and a &pound;6 million release in Q1 2024, largely reflecting the non-repeat
of good book releases, with Stage 3 charges broadly flat and remaining at low levels.</font></td></tr></table>

<p style="font: 7pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">CAL were &pound;1.5 billion,
or 1.4% lower than Q4 2024 as lending growth is offset by lower AUMA and deposit balances. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><font style="font-size: 7pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers were
 &pound;0.2 billion, or 1.1%, higher than Q4 2024 driven by higher mortgage balances and higher commercial balances.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><font style="font-size: 7pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits decreased
by &pound;1.2 billion, or 2.8%, in Q1 2025 largely reflecting seasonal tax payments and outflows of transitory balances.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><font style="font-size: 7pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 9pt">-</font></td><td style="padding-right: 6.25pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AUMA balances decreased by
 &pound;0.4 billion in the quarter primarily driven by negative market movements of &pound;1.2 billion and AUA net outflows of &pound;0.1
billion, partially offset by AUM net inflows of &pound;0.8 billion and Cushon net inflows of &pound;0.1 billion.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 12pt Times New Roman, Times, Serif"><font style="font-size: 10pt">&nbsp;</font></p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><font style="font-size: 10pt">&nbsp;</font></p>

</div>

<p style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

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<p style="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>




<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Business performance summary continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<div style="float: left; width: 49%">

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_006"></a>Commercial &amp; Institutional</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 58%">&nbsp;</td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 14%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net interest 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>1,459</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,404</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,246</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Non-interest 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>683</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">682</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; color: black">613</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>2,142</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,086</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; color: black">1,859</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 style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>(1,044)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1,179)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1,051)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">of which: Other operating expenses</font></i></td>
    <td 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>(1,015)</i></b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(1,134)</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(1,020)</i></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment 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>(78)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(46)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(39)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Operating profit</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,020</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">861</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">769</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 style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Return on equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>19.3%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.6%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.6%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Net interest margin</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>2.32%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.21%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.07%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Cost:income ratio (excl. litigation and conduct)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>47.4%</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">54.4%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">54.9%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Loan impairment rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>22bps</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13bps</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; color: black">11bps</font></td></tr>
  </table>
<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0; color: #42145f"><b>&nbsp;</b></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #42145f"><b>As at</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 58%; 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>31 March</b></font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="text-align: right; white-space: nowrap; background-color: white; vertical-align: middle">&nbsp;</td>
    <td style="vertical-align: middle; 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="vertical-align: middle; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font></td>
    <td style="vertical-align: middle; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net loans to customers (amortised cost)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>143.1</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">141.9</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">135.3</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Customer deposits</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>196.5</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">194.1</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">192.2</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Funded assets</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>336.1</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">321.6</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">321.7</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: black">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>107.3</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; color: black">104.7</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; color: black">109.9</font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details
of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</font></td></tr></table>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During Q1 2025, Commercial &amp; Institutional continued to deliver
a strong performance in income and operating profit, supporting a return on equity of 19.3%, an increase from 16.6% in Q4 2024. We continued
to see demand to support clients&rsquo; risk management and funding needs during volatile markets, helping to increase income.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Commercial &amp; Institutional provided &pound;6.5 billion of climate
and sustainable funding and financing in Q1 2025 to support customers investing in the transition to net zero.</p>

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

</div>

<div style="float: right; width: 49%">

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

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income was &pound;56 million, or 2.7%, higher than
Q4 2024 primarily reflecting strong customer activity in markets trading income, capital markets underwriting, deposit income and customer
lending growth, partly offset by the impact of two fewer days in the quarter. Total income was &pound;283 million, or 15.2%, higher than
Q1 2024 primarily due to deposit margin expansion, customer lending growth and strong customer activity in markets trading income.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin was 11 basis points higher than Q4 2024
reflecting continued deposit margin expansion. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;1,044 million were &pound;135
million, or 11.5%, lower than Q4 2024 and &pound;7 million, or 0.7% lower than Q1 2024. Other operating expenses were &pound;119 million,
or 10.5%, lower than Q4 2024 primarily reflecting the non-repeat of the Q4 2024 annual Bank Levy partially offset by the Q1 2025 Bank
of England Levy. Other operating expenses were &pound;5 million, or 0.5%, lower than Q1 2024 mainly due to non-staff costs. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An impairment charge of &pound;78 million in Q1 2025 compared
with a &pound;39 million charge in Q1 2024 reflecting a reduction in post model adjustment releases and higher Stage 3 charges, from a
small number of larger counterparties. Compared with Q4 2024, the impairment charge was &pound;32 million higher reflecting increased
Stage 3 charges from a small number of larger counterparties, partially offset by post model adjustment releases.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers increased by &pound;1.2 billion,
or 0.8%, in Q1 2025 principally due to growth within Corporate &amp; Institutions, partly offset by UK Government scheme repayments of
 &pound;0.4 billion.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits increased by &pound;2.4 billion, or 1.2%,
in Q1 2025 largely reflecting growth within Corporate &amp; Institutions and Commercial Mid-market excluding the impact of client transfers.
During Q1 2025 client transfers of approximately &pound;4.9 billion from Commercial Mid-market to Corporate &amp; Institutions were undertaken
with an equivalent value of &pound;3.3 billion at Q4 2024.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs
increased by &pound;2.6 billion, or 2.5%, compared with Q4 2024 primarily driven by the annual recalculation of operational risk and
increases in market risk and credit risk from book growth, partly offset by continued RWA management activity.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

</div>

<p style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<!-- Field: Page; Sequence: 12; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Business performance summary continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<div style="float: left; width: 49%">

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_007"></a>Central items &amp; other</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, 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>Quarter ended</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 58%; 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>31 March</b></font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; width: 14%; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td></tr>
  <tr>
    <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">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>33</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(34)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">83</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>(67)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(86)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(47)</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">of which: Other operating expenses</font></i></td>
    <td 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; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(74)</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>(61)</i></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment (losses)/releases</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1)</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3</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: black">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>(35)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(121)</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; color: black">39</font></td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td colspan="4" style="white-space: nowrap">&nbsp;</td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td style="white-space: nowrap">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; border-bottom: black 1pt solid; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>As at</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net loans to customers (amortised cost)</font><font style="font-size: 8pt; color: black">&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>26.9</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">31.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21.0</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>1.2</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">12.8</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: black">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>1.6</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.0</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; color: black">2.6</font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

</div>

<div style="float: right; width: 49%">

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

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income was &pound;67 million higher than Q4 2024 primarily
reflecting notable items including higher business growth fund gains and foreign exchange recycling losses in Q4 2024, partially offset
with lower gains on interest and foreign exchange risk management derivatives not in accounting hedge relationships. Total income was
 &pound;50 million lower than Q1 2024 primarily reflecting notable items including lower gains on interest and foreign exchange risk management
derivatives not in accounting hedge relationships.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;67 million were &pound;19 million,
or 22.1%, lower than Q4 2024 and &pound;20 million, or 42.6% higher than Q1 2024. Other operating expenses were &pound;18 million, or
24.3%, lower than Q4 2024 principally reflecting the timing of strategic costs largely relating to property exits and were &pound;5 million,
or 8.2%, lower than Q1 2024 largely due to reduction in costs due to our withdrawal of operations from the Republic of Ireland. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers decreased by &pound;4.9 billion,
or 15.4%, in Q1 2025 driven by reverse repo activity in Treasury.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
deposits of &pound;1.2 billion decreased by &pound;1.0 billion in Q1 2025 of which &pound;0.3 billion relates to repo activity in Treasury.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

</div>

<p style="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"></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: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

<p style="color: #5a287d; font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0"><a name="a_008"></a>Segment performance</p>

<p style="color: #5a287d; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="5" style="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: center; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter
    ended 31 March 2025</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; width: 50%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Retail</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Private</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Commercial
    &amp;</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Central
    items</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Total
    NatWest</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Banking</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Banking</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Institutional</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&amp;
    other</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Group</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EBF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Continuing operations</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EBF9">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Income statement</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net interest income</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,438</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>181</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,459</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(52)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,026</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Own credit adjustments</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other non-interest income</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>102</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; 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; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>677</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>85</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>948</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total income</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,540</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>265</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,142</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>33</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,980</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Direct expenses</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(166)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(59)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(379)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,331)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,935)</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Indirect expenses</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(511)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(128)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(636)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,275</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other operating expenses</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(677)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(187)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,935)</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Litigation and conduct costs</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(4)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(29)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; 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; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(44)</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating expenses</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(681)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(187)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,044)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(67)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,979)</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating profit/(loss) before impairment losses</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>859</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>78</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,098</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(34)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,001</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment losses</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(109)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; 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; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(78)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; 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; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(189)</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating profit/(loss)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>750</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>77</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,020</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(35)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,812</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <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; color: black">Total income excluding notable items</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,540</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>265</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,136</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; 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; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,952</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Additional information</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EBF9">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Return on tangible equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>na</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>na</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>na</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>na</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>18.5%</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Return on equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>24.5%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>17.1%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>19.3%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>na</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Cost:income ratio (excl. litigation and conduct)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>44.0%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>70.6%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>47.4%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>48.6%</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total assets (&pound;bn)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>234.3</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>28.9</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>397.9</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>48.9</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>710.0</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Funded assets (&pound;bn)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>234.3</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>28.9</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>336.1</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>47.9</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>647.2</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net loans to customers - amortised cost (&pound;bn)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>210.4</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>18.4</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>143.1</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>26.9</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>398.8</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loan impairment rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>21bps</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2bps</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>22bps</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>19bps</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment provisions (&pound;bn)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(0.1)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(3.5)</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment provisions - Stage 3 (&pound;bn)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1.1)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1.0)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(2.1)</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Customer deposits (&pound;bn)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>195.7</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>41.2</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>196.5</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>434.6</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Risk-weighted assets (RWAs) (&pound;bn)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>66.8</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>11.3</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>107.3</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1.6</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>187.0</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">RWA equivalent (RWAe) (&pound;bn)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>67.6</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>11.3</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>108.5</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.1</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>189.5</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Employee numbers (FTEs - thousands)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>11.9</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.2</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>12.8</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>32.5</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>59.4</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Third party customer asset rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>4.29%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>4.83%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6.24%</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>nm</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Third party customer funding rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1.87%)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(2.90%)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1.71%)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; 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; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>nm</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Average interest earning assets (&pound;bn)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>226.5</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>28.4</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>255.2</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>na</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>541.6</b></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; color: black">Net interest margin</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.58%</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.59%</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.32%</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>na</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EBF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.27%</b></font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

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

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 4%; font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 96%; padding-left: 14.2pt; text-indent: -14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</font></td></tr>
  </table>

<p style="font: 7pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 7pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white"><font style="font-size: 10pt"></font></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="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 7pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; background-color: white"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Segment performance continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="5" 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: black">Quarter
    ended 31 December 2024</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; width: 50%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Retail</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Private</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Commercial
    &amp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Central
    items</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total
    NatWest</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <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; color: black">Banking</font></td>
    <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; color: black">Banking</font></td>
    <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; color: black">Institutional</font></td>
    <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; color: black">&amp;
    other</font></td>
    <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; color: black">Group</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Continuing operations</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="text-align: left; white-space: nowrap; vertical-align: middle"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Income statement</b></font></td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net interest income</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,408</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">190</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,404</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(34)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,968</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Own credit adjustments</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(4)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(4)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other non-interest income</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; color: black">93</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; color: black">82</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; color: black">686</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; color: black">-</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; color: black">861</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total income</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,501</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">272</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,086</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(34)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,825</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Direct expenses</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; color: black">(191)</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; color: black">(65)</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; color: black">(417)</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; color: black">(1,441)</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; color: black">(2,114)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Indirect expenses</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; color: black">(523)</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; color: black">(127)</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; color: black">(717)</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; color: black">1,367</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; color: black">-</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other operating expenses</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(714)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(192)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1,134)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(74)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2,114)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Litigation and conduct costs</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; color: black">(94)</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; color: black">(2)</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; color: black">(45)</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; color: black">(12)</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; color: black">(153)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating expenses</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(808)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(194)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1,179)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(86)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2,267)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating profit/(loss) before impairment losses</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">693</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; color: black">78</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; color: black">907</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; color: black">(120)</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; color: black">1,558</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment losses</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; color: black">(16)</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; color: black">(3)</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; color: black">(46)</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; color: black">(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; color: black">(66)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating profit/(loss)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">677</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; color: black">75</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; color: black">861</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; color: black">(121)</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; color: black">1,492</font></td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="6" style="white-space: nowrap">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <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; color: black">Total income excluding notable items</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</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; color: black">1,501</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; color: black">272</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; color: black">2,090</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; color: black">9</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; color: black">3,872</font></td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="6" style="white-space: nowrap">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Additional information</b></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></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Return on tangible equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">19.0%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Return on equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21.4%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.3%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.6%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Cost:income ratio (excl. litigation and conduct)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">47.6%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">70.6%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">54.4%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">55.3%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total assets (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">232.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">28.6</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">398.7</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">47.9</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">708.0</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Funded assets (&pound;bn)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">232.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">28.6</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">321.6</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">46.6</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">629.6</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net loans to customers - amortised cost (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">208.4</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">18.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">141.9</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">31.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">400.3</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loan impairment rate</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3bps</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">7bps</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13bps</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">7bps</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment provisions (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.8)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(0.1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.5)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3.4)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment provisions - Stage 3 (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(0.9)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2.0)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Customer deposits (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">194.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">42.4</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">194.1</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">433.5</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Risk-weighted assets (RWAs) (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">65.5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11.0</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">104.7</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.0</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">183.2</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">RWA equivalent (RWAe) (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">66.5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11.0</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">105.9</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">185.9</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Employee numbers (FTEs - thousands)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">12.0</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.1</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">12.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">32.3</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">59.2</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Third party customer asset rate</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">4.21%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">5.22%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6.36%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Third party customer funding rate</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.97%)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3.06%)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.83%)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Average interest earning assets (&pound;bn)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226.3</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">27.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">252.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">538.8</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; color: black">Net interest margin</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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; color: black">2.47%</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; color: black">2.72%</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; color: black">2.21%</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; color: black">na</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; color: black">2.19%</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

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

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 4%; font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 96%; padding-left: 14.2pt; text-indent: -14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</font></td></tr>
  </table>

<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<!-- Field: Page; Sequence: 15; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->


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

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Segment performance continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="5" 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: black">Quarter
    ended 31 March 2024</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; width: 50%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Retail</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Private</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Commercial
    &amp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Central
    items</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total
    NatWest</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <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; color: black">Banking</font></td>
    <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; color: black">Banking</font></td>
    <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; color: black">Institutional</font></td>
    <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; color: black">&amp;
    other</font></td>
    <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; color: black">Group</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td>
    <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; color: black">&pound;m</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Continuing operations</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="text-align: left; white-space: nowrap; vertical-align: middle"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Income statement</b></font></td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td>
    <td style="text-align: left; white-space: nowrap; vertical-align: middle">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net interest income</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,216</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">134</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,246</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">55</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,651</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Own credit adjustments</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(5)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(5)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other non-interest income</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; color: black">109</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; color: black">74</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; color: black">618</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; color: black">28</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; color: black">829</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total income</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,325</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">208</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,859</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">83</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,475</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Direct expenses</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(189)</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; color: black">(61)</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; color: black">(384)</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; color: black">(1,394)</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; color: black">(2,028)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Indirect expenses</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; color: black">(578)</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; color: black">(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; color: black">(636)</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; color: black">1,333</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; color: black">-</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other operating expenses</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(767)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(180)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1,020)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(61)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2,028)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Litigation and conduct costs</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; color: black">(6)</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; color: black">(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; color: black">(31)</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; color: black">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; color: black">(24)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating expenses</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(773)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(181)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1,051)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(47)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2,052)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating profit before impairment losses/releases</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">552</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; color: black">27</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; color: black">808</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; color: black">36</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; color: black">1,423</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment (losses)/releases</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; color: black">(63)</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; color: black">6</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; color: black">(39)</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; color: black">3</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; color: black">(93)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; 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="white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">489</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; color: black">33</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; color: black">769</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; color: black">39</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; color: black">1,330</font></td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="6" style="white-space: nowrap">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <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; color: black">Total income excluding notable items</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</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; color: black">1,325</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; color: black">208</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; color: black">1,864</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; color: black">17</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; color: black">3,414</font></td></tr>
  <tr style="vertical-align: bottom">
    <td colspan="6" style="white-space: nowrap">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Additional information</b></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></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Return on tangible equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.2%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Return on equity</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.5%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6.7%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.6%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal; color: black">Cost:income ratio (excl. litigation and conduct)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">57.9%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">86.5%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">54.9%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">58.4%</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total assets (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226.4</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">26.5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">388.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">55.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">697.5</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Funded assets (&pound;bn)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226.4</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">26.5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">321.7</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">54.7</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">629.3</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Net loans to customers - amortised cost (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">203.5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">18.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">135.3</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21.0</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">378.0</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loan impairment rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">12bps</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(13)bps</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11bps</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">10bps</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment provisions (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.9)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(0.1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.5)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(0.1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3.6)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment provisions - Stage 3 (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.2)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(0.8)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2.0)</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Customer deposits (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">190.0</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">37.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">192.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">12.8</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">432.8</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Risk-weighted assets (RWAs) (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">62.5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11.3</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">109.9</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.6</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">186.3</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">RWA equivalent (RWAe) (&pound;bn)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">62.6</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11.3</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">111.1</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3.1</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">188.1</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Employee numbers (FTEs - thousands)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13.1</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">12.7</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">33.3</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">61.3</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Third party customer asset rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3.79%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">4.97%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6.81%</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Third party customer funding rate</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(2.05%)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3.14%)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1.93%)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">nm</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Average interest earning assets (&pound;bn)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">220.6</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">26.2</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">241.9</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">na</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">521.1</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; color: black">Net interest margin</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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; color: black">2.22%</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; color: black">2.06%</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; color: black">2.07%</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; color: black">na</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; color: black">2.05%</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

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

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 4%; font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 96%; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial measures and performance metrics.</font></td></tr>
  </table>

<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<p style="margin-top: 0; margin-bottom: 0"></p>

<!-- Field: Page; Sequence: 16; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<p style="color: #5a287d; font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management</p>

<p style="color: #5a287d; font: 16pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_009"></a>Credit risk</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 7pt">&nbsp;</font></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Segment analysis &ndash; portfolio summary </b></p>

<p style="font: 10pt  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">The table below shows gross loans and expected credit loss (ECL), by
segment and stage, within the scope of the IFRS 9 ECL framework.</p>

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

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="5" style="padding-right: 2pt; padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="6" style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="5" style="padding-right: 2pt; padding-top: 1pt; 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>31
    March 2025</b></font></td>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="5" style="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: center; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December 2024</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; width: 29%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-right: 2pt; padding-top: 1pt; 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>Retail</b></font></td>
    <td style="padding-right: 2pt; padding-top: 1pt; 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>Private</b></font></td>
    <td style="padding-right: 2pt; padding-top: 1pt; 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>Commercial
    &amp;</b></font></td>
    <td style="padding-right: 2pt; padding-top: 1pt; 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>Central
    items</b></font></td>
    <td style="padding-right: 2pt; padding-top: 1pt; width: 7%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 1%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Retail</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Private</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Commercial
    &amp;</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Central
    items</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-right: 2pt; 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>Banking</b></font></td>
    <td style="padding-right: 2pt; 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>Banking</b></font></td>
    <td style="padding-right: 2pt; 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>Institutional</b></font></td>
    <td style="padding-right: 2pt; 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>&amp;
    other</b></font></td>
    <td style="padding-right: 2pt; 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>Total</b></font></td>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&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">Banking</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">Banking</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">Institutional</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">&amp;
    other</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">Total</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-right: 2pt; 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</b></font></td>
    <td style="padding-right: 2pt; 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</b></font></td>
    <td style="padding-right: 2pt; 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</b></font></td>
    <td style="padding-right: 2pt; 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</b></font></td>
    <td style="padding-right: 2pt; 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</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">(1,2)</font></b></td>
    <td colspan="5" style="padding-right: 2pt; border-top: black 1pt solid; 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>184,976</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>17,331</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>130,688</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>30,573</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>363,568</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">182,366</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">17,155</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">128,988</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">35,312</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">363,821</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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>23,586</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>860</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>15,423</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>58</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>39,927</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">24,242</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">844</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">15,339</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</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">40,474</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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,333</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>339</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,298</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>4</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>5,974</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">3,268</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">322</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">2,340</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,930</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="padding-right: 2pt; white-space: nowrap; 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>255</i></b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,125</i></b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,380</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>233</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>1,052</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>1,285</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="padding-right: 2pt; 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>3,333</i></b></font></td>
    <td style="padding-right: 2pt; 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>84</i></b></font></td>
    <td style="padding-right: 2pt; 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>1,173</i></b></font></td>
    <td style="padding-right: 2pt; 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</i></b></font></td>
    <td style="padding-right: 2pt; 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>4,594</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>3,268</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>89</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>1,288</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>4,645</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">Total</font><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="padding-right: 2pt; 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>211,895</b></font></td>
    <td style="padding-right: 2pt; 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>18,530</b></font></td>
    <td style="padding-right: 2pt; 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>148,409</b></font></td>
    <td style="padding-right: 2pt; 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>30,635</b></font></td>
    <td style="padding-right: 2pt; 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>409,469</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">209,876</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">18,321</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">146,667</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">35,361</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">410,225</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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">(3)</font></b></td>
    <td colspan="5" style="padding-right: 2pt; 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>289</b></font></td>
    <td style="padding-right: 2pt; white-space: 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>275</b></font></td>
    <td style="padding-right: 2pt; white-space: 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>594</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">279</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</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">289</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">14</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">598</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Stage 2</font><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>430</b></font></td>
    <td style="padding-right: 2pt; white-space: 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>345</b></font></td>
    <td style="padding-right: 2pt; white-space: 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</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>787</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">428</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12</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">346</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</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">787</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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,127</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>40</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>976</b></font></td>
    <td style="padding-right: 2pt; white-space: 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,143</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">1,063</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">36</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">941</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,040</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="padding-right: 2pt; white-space: nowrap; 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="padding-right: 2pt; white-space: nowrap; 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</i></b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>452</i></b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>492</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>36</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>415</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>451</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="padding-right: 2pt; 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>1,127</i></b></font></td>
    <td style="padding-right: 2pt; 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="padding-right: 2pt; 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>524</i></b></font></td>
    <td style="padding-right: 2pt; 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="padding-right: 2pt; 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>1,651</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>1,063</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>526</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>1,589</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">Total</font><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="padding-right: 2pt; 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>1,846</b></font></td>
    <td style="padding-right: 2pt; 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>65</b></font></td>
    <td style="padding-right: 2pt; 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>1,596</b></font></td>
    <td style="padding-right: 2pt; 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>17</b></font></td>
    <td style="padding-right: 2pt; 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>3,524</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">1,770</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">64</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">1,576</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">3,425</font></td></tr>
  <tr>
    <td style="text-align: left; background-color: white; vertical-align: middle"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>ECL provisions coverage</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">(4)</font></b></td>
    <td colspan="5" style="text-align: left; padding-right: 2pt; background-color: #F2EAF9; vertical-align: middle">&nbsp;</td>
    <td colspan="6" style="text-align: left; background-color: white; vertical-align: middle">&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="padding-right: 2pt; white-space: 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="padding-right: 2pt; white-space: 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="padding-right: 2pt; white-space: 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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.05</b></font></td>
    <td style="padding-right: 2pt; white-space: 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="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">0.15</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">0.09</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">0.22</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">0.04</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">0.16</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="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1.82</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1.16</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.24</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3.45</b></font></td>
    <td style="padding-right: 2pt; white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1.97</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">1.77</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">1.42</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">2.26</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">2.04</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">1.94</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="padding-right: 2pt; 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>33.81</b></font></td>
    <td style="padding-right: 2pt; 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>11.80</b></font></td>
    <td style="padding-right: 2pt; 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>42.47</b></font></td>
    <td style="padding-right: 2pt; 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="padding-right: 2pt; 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>35.87</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">32.53</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">11.18</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">40.21</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">-</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">34.40</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><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="padding-right: 2pt; 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>0.87</b></font></td>
    <td style="padding-right: 2pt; 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>0.35</b></font></td>
    <td style="padding-right: 2pt; 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>1.08</b></font></td>
    <td style="padding-right: 2pt; 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="padding-right: 2pt; 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>0.86</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">0.84</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">0.35</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">1.07</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">0.04</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">0.83</font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 2%; font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 98%; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The 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;97.9 billion (31 December 2024 &ndash; &pound;91.8 billion) and debt securities of &pound;63.1 billion (31 December 2024 &ndash; &pound;62.4 billion). FVOCI &ndash; fair value through other comprehensive income.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes loans to customers and banks.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes &pound;4 million (31 December 2024 &ndash; &pound;4 million) related to assets classified as FVOCI and &pound;0.1 billion (31 December 2024 &ndash; &pound;0.1 billion) related to off-balance sheet exposures.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">ECL provisions coverage is calculated as ECL provisions divided by loans &ndash; amortised cost and FVOCI. It is calculated on loans and total ECL provisions, including ECL for other (non-loan) assets and unutilised exposure. Some segments with a high proportion of debt securities or unutilised exposure may result in a not meaningful (nm) coverage ratio.</font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

<!-- Field: Page; Sequence: 17; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

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

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<div style="float: left; width: 49%">

<p style="color: #5a287d; font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">Credit risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>
<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b><a name="a_010"></a>Segment analysis &ndash; loans</b></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><b>Retail Banking &ndash;</b> Asset quality and arrears
rates remained largely stable and within expectations in the quarter. Reflecting the stable portfolio performance, good book ECL coverage
remained largely consistent with December 2024, as economic scenarios were unchanged and there were minimal movements in probability of
default and loss given default estimates. Total ECL coverage saw a slight increase during the quarter, driven by growth in Stage 3 ECL
on unsecured portfolios. Growth in Stage 3 balances reflected less debt sale activity compared to Q4 2024, alongside stable Stage 3 inflows.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><b>Commercial &amp; Institutional </b>&ndash; Coverage remained
stable with small increases in ECL alongside balance growth. Overall ECL increased, primarily in Stage 3, driven by a limited number of
flows into default. Stage 1 and Stage 2 ECL reduced marginally due to a decrease in post model adjustments and positive movements in risk
metrics. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"></p>

</div>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<div style="float: right; width: 49%">

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b><a name="a_011"></a>Movement in ECL provision</b></p>

<p style="font: 10pt  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 4.8pt 0pt 0">The table below shows the main ECL provision movements during
the quarter.</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 4.8pt 0pt 0"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; width: 85%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 15%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>ECL
    provision</b></font></td></tr>
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>&pound;m</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>At 1 January 2025</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>3,425</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; 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>(2)</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; 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>215</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Judgemental changes:</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>(3)</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>(111)</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>At 31 March 2025</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>3,524</b></font></td></tr>
  </table>
<p style="font: 8.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 19.2pt">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">ECL increased in Q1 2025, as Stage 3 charges were only partially
offset by write-offs. There were Stage 3 default flow increases, particularly in the Personal portfolio. These were broadly in line with
expectations due to growth and normalisation of risk parameters. In the Commercial &amp; Institutional portfolio, Stage 3 ECL increased
due to a small number of individual charges. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Judgemental ECL post model adjustments were consistent with
31 December 2024. This reflected a decision not to release any economic uncertainty post model adjustments in the quarter based on a forward-looking
basis given recent geopolitical events. Judgemental ECL post model adjustments represented 9% of the total ECL (31 December 2024 - 10%).
Refer to the ECL post model adjustments section for further details.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"></p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

</div>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<!-- Field: Page; Sequence: 18; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">Credit risk continued</p>

<p style="color: #5a287d; font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b><a name="a_012"></a>ECL post model adjustments</b></p>

<p style="font: 10pt  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">The table below shows ECL post model adjustments.</p>

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

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="2" style="padding-top: 1pt; 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>Retail
    Banking</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>Private</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: 6pt; color: #5a287d"><b>Commercial
    &amp;</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; width: 53%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; vertical-align: top; width: 9%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Mortgages</b></font></td>
    <td style="padding-top: 1pt; vertical-align: top; width: 9%; 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; width: 1%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; vertical-align: top; width: 9%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Banking</b></font></td>
    <td style="padding-top: 1pt; vertical-align: top; width: 9%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Institutional</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 1%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; vertical-align: top; width: 9%; 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></tr>
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31
    March 2025</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: 6pt; color: #5a287d"><b>&pound;m</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: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>&pound;m</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: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred
    model calibrations</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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</b></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</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>19</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Economic
    uncertainty</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>89</b></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</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>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>179</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>305</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    adjustments</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>-</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>9</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>9</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>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>29</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>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>206</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>333</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>Of
    which:</i></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>-
    Stage 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>57</i></b></font></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</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>4</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>87</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>159</i></b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>-
    Stage 2</i></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>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>18</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>5</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>118</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>168</i></b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>-
    Stage 3</i></font><i><font style="font-size: 8pt">&nbsp;</font></i></td>
    <td style="border-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; 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"><font style="font-size: 8pt">&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><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</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>6</i></b></font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td rowspan="2" style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td rowspan="2" style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td rowspan="2" style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td rowspan="2" style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td rowspan="2" style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31
    December 2024</font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred model calibrations</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Economic uncertainty</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">90</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">179</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">299</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    adjustments</font></td>
    <td style="border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</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"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</font></td>
    <td style="border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18</font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</font></td>
    <td style="border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">90</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"><font style="font-size: 8pt">&nbsp;</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">9</font></td>
    <td style="border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">215</font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">336</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>Of which:</i></font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>- Stage 1</i></font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>58</i></font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>9</i></font></td>
    <td><font style="font-size: 8pt">&nbsp;</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>94</i></font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>166</i></font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>- Stage 2</i></font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>26</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><font style="font-size: 8pt">&nbsp;</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>119</i></font></td>
    <td><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>162</i></font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>-
    Stage 3</i></font><i><font style="font-size: 8pt">&nbsp;</font></i></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>-</i></font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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>2</i></font></td>
    <td style="border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>8</i></font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Post model adjustments remained broadly flat overall since 31 December
2024. This mainly reflected economic uncertainty and continued related concerns around customer affordability, inflation, supply chain,
geopolitical risk and liquidity.</p>

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

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></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 increased to &pound;118 million at 31 March 2025, from &pound;112 million at 31 December 2024. This increase
was primarily in the cost of living post model adjustment in credit cards. 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 lower-income customers in fuel poverty, over-indebted borrowers and customers who remain vulnerable to higher mortgage
rates.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><b>Commercial &amp; Institutional </b>&ndash; The post model
adjustment for economic uncertainty remained unchanged at &pound;179 million. The inflation, supply chain and liquidity post model adjustment
of &pound;149 million was maintained for lending prior to 1 January 2024, being a sector level downgrade applied to the sectors that are
considered most at risk from the current economic and geopolitical headwinds. There was an &pound;8 million equivalent in the Private
Banking portfolio.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The remaining &pound;27 million (31 December 2024 - &pound;36
million) of post model adjustments were for deferred model calibrations relating to refinance risk and to mitigate the effect of operational
timing delays in the identification and flagging of a significant increase in credit risk.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif">&nbsp;</p>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<!-- Field: Page; Sequence: 19; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>




<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Credit risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b><a name="a_013"></a>Sector analysis &ndash; portfolio summary </b></p>

<p style="font: 10pt  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">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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-top: 1pt; 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>Personal</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-top: 1pt; 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>Non-Personal</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; width: 32%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 1%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; 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>Corporate</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td>
    <td style="padding-top: 1pt; 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>Financial</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td>
    <td style="padding-top: 1pt; width: 7%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>Mortgages
    (1)</b></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: 6pt; color: #5a287d"><b>Credit
    cards</b></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: 6pt; color: #5a287d"><b>Other
    personal</b></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: 6pt; color: #5a287d"><b>Total</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>and
    other</b></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: 6pt; color: #5a287d"><b>institutions</b></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: 6pt; color: #5a287d"><b>Sovereign</b></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: 6pt; color: #5a287d"><b>Total</b></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: 6pt; color: #5a287d"><b>Total</b></font></td></tr>
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31
    March 2025</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 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>211,948</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>6,906</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>9,893</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>228,747</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>110,612</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>68,753</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,357</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>180,722</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>409,469</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- UK</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>211,935</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>6,906</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>9,893</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>228,734</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>96,591</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>42,413</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>693</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>139,697</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>368,431</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Other Europe</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>13</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; 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>13</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>6,540</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>12,500</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>349</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19,389</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19,402</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- RoW</font></i></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>7,481</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>13,840</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>315</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>21,636</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>21,636</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>&nbsp;</b></font><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d">Loans
    by asset quality</font></b><b><font style="font-size: 8pt; color: #5a287d">&nbsp;<font style="font-family: Arial, Helvetica, Sans-Serif; font-style: normal">(2)</font></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>211,948</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6,906</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>9,893</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>228,747</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>110,612</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>68,753</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,357</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>180,722</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>409,469</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- AQ1-AQ4</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>116,141</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>121</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>809</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>117,071</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>41,988</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>63,346</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,078</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>106,412</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>223,483</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- AQ5-AQ8</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>92,144</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>6,475</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>7,968</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>106,587</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>66,150</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>5,283</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>127</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>71,560</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>178,147</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- AQ9</font></i><i><font style="font-size: 8pt">&nbsp;</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,118</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>123</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>204</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,445</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>285</i></b></font></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>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>420</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,865</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- AQ10</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2,545</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>187</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>912</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>3,644</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>2,189</i></b></font></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; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2,330</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>5,974</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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b></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>211,948</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>6,906</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>9,893</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>228,747</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>110,612</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>68,753</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,357</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>180,722</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>409,469</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Stage 1</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>188,720</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>4,847</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>7,576</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>201,143</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>93,077</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>68,143</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>1,205</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>162,425</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>363,568</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Stage 2</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>20,683</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,872</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,405</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>23,960</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>15,346</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>488</i></b></font></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>15,967</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>39,927</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Stage 3</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2,545</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>187</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>912</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>3,644</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>2,189</i></b></font></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; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2,330</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>5,974</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Of which: individual</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>153</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>25</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>178</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>1,066</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>117</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,202</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,380</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Of which: collective</font></i></td>
    <td style="border-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>2,392</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>187</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>887</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>3,466</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>1,123</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; 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>1,128</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>4,594</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><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</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>211,948</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6,906</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>9,893</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>228,747</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>110,612</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>68,753</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,357</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>180,722</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>409,469</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Not past due</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>208,762</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>6,682</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>8,963</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>224,407</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>107,309</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>68,091</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,338</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>176,738</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>401,145</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Past due 1-30 days</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,474</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>50</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>70</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,594</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>1,937</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>602</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2,539</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>4,133</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Past due 31-90 days</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>582</i></b></font></td>
    <td style="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="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>106</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>744</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>424</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>4</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>428</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,172</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Past due 91-180 days</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>377</i></b></font></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</i></b></font></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>513</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>96</i></b></font></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="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>115</i></b></font></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></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Past due &gt;180 days</font></i></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>72</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>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>1,489</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>846</i></b></font></td>
    <td style="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; 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>902</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2,391</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>20,683</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>1,872</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>1,405</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>23,960</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>15,346</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>488</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>15,967</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>39,927</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Not past due</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19,500</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,804</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,304</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>22,608</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>14,436</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>481</i></b></font></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>15,050</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>37,658</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Past due 1-30 days</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>930</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>32</i></b></font></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>999</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>608</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>3</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>611</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,610</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Past due 31-90 days</font></i></td>
    <td style="border-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>253</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>36</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>64</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>353</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>302</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>-</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>306</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>659</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Weighted
    average life</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- ECL measurement (years)</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</b></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</b></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</b></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</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>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</b></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>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>5</b></font></td></tr>
  <tr>
    <td style="border-top: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Weighted
    average 12 months PDs</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-
    IFRS 9 (%)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.50</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3.29</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>4.59</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.75</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>1.27</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.16</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>5.05</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.87</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>0.80</b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Basel (%)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.67</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>3.77</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>3.28</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>0.87</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>1.12</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>0.15</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>5.05</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>0.78</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>0.83</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>469</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>409</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,012</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,890</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>1,486</b></font></td>
    <td style="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="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>21</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,634</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,524</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- UK</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>469</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>409</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,012</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,890</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>1,323</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>72</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>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>1,408</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>3,298</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- Other Europe</font></i></td>
    <td style="white-space: nowrap; 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"><font style="font-size: 8pt">&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><i>102</i></b></font></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>-</i></b></font></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>114</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">- RoW</font></i></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"><font style="font-size: 8pt">&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><i>61</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>43</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>8</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>112</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>112</i></b></font></td></tr>
  </table>
<p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">nm = not meaningful</p>

<p style="font: 6pt 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 23.</p>

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

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

<!-- Field: Page; Sequence: 20; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

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

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Credit risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Sector analysis &ndash; portfolio summary continued</b></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-top: 1pt; 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>Personal</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-top: 1pt; 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>Non-Personal</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; width: 32%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 1%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; 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>Corporate</b></font></td>
    <td style="padding-top: 1pt; 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>Financial</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td>
    <td style="padding-top: 1pt; width: 7%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>Mortgages
    (1)</b></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: 6pt; color: #5a287d"><b>Credit
    cards</b></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: 6pt; color: #5a287d"><b>Other
    personal</b></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: 6pt; color: #5a287d"><b>Total</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&nbsp;</b></font><b><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">and
    other</font></b></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>institutions</b></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: 6pt; color: #5a287d"><b>Sovereign</b></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: 6pt; color: #5a287d"><b>Total</b></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: 6pt; color: #5a287d"><b>Total</b></font></td></tr>
  <tr>
    <td style="padding-top: 1pt; white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31
    March 2025</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 6pt; color: #5a287d"><b>&pound;m</b></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: 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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b></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>469</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>409</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>1,012</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>1,890</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>1,486</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>127</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</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>1,634</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>3,524</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Stage 1</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>76</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>84</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>134</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>294</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>248</i></b></font></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>14</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>300</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>594</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Stage 2</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>61</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>192</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>179</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>432</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>343</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>10</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>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>355</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>787</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Stage 3</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>332</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>133</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>699</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>1,164</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>895</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>79</i></b></font></td>
    <td style="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>979</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>2,143</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Of which: individual</font></i></td>
    <td style="white-space: nowrap; 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"><font style="font-size: 8pt">&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><i>385</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>76</i></b></font></td>
    <td style="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>466</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>492</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Of which: collective</font></i></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>320</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>133</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>685</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>1,138</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>510</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>3</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>513</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>1,651</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>ECL
    provisions coverage (%)</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.22</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>5.92</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>10.23</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.83</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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>1.34</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>0.18</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>1.55</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.90</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.86</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Stage 1 (%)</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>0.04</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>1.73</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>1.77</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>0.15</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>0.27</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>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>1.16</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>0.18</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>0.16</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Stage 2 (%)</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>0.29</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>10.26</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>12.74</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>1.80</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>2.24</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2.05</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1.50</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>2.22</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>1.97</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Stage 3 (%)</font></i></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>13.05</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>71.12</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>76.64</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>31.94</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>40.89</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>64.75</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>26.32</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>42.02</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>35.87</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Loans
    by residual maturity</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>211,948</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6,906</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>9,893</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>228,747</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>110,612</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>68,753</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,357</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>180,722</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>409,469</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    &lt;1 year</font></i><i><font style="font-size: 8pt; color: black">&nbsp;</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,929</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,591</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>2,467</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>5,987</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>31,236</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>52,211</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>518</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>83,965</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>89,952</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    1-5 year</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>8,424</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>5,315</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>5,824</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19,563</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>49,943</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>11,799</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>504</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>62,246</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>81,809</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- &gt;5&lt; 15 year</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>42,522</i></b></font></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>1,596</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>44,118</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>21,080</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>4,604</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>299</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>25,983</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>70,101</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    &gt;15 year</font></i></td>
    <td style="border-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>159,073</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>159,079</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>8,353</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>139</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>36</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>8,528</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>167,607</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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;<font style="font-family: Arial, Helvetica, Sans-Serif; font-style: normal">(2)</font></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>-</b></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"><font style="font-size: 8pt">&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>3,834</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>25,450</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>131,681</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>160,965</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>160,965</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ1-AQ4</font></i></td>
    <td style="white-space: nowrap; 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"><font style="font-size: 8pt">&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><i>3,829</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>24,992</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>131,681</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>160,502</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>160,502</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ5-AQ8</font></i></td>
    <td style="white-space: nowrap; 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"><font style="font-size: 8pt">&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><i>5</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>458</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>463</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>463</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>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>12,373</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>21,182</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>7,838</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>41,393</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>76,708</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>21,394</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</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>98,311</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>139,704</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Loan commitments</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>12,373</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>21,182</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>7,798</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>41,353</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>73,858</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>19,939</i></b></font></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</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>94,006</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>135,359</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Contingent liabilities</font></i></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>40</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>40</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>2,850</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>1,455</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>4,305</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>4,345</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</b></font><b><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; 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>12,373</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>21,182</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>7,838</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>41,393</b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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>76,708</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>21,394</b></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</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>98,311</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>139,704</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ1-AQ4</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>11,594</i></b></font></td>
    <td style="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: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>6,504</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>18,581</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>48,220</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>19,646</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>128</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>67,994</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>86,575</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ5-AQ8</font></i></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>766</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>20,336</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,293</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>22,395</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>28,031</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>1,692</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>16</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>29,739</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>52,134</i></b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ9</font></i><i><font style="font-size: 8pt; color: black">&nbsp;</font></i></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>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>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>26</i></b></font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>19</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>-</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>63</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>82</i></b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>108</i></b></font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ10</font></i></td>
    <td style="border-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>13</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>350</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>391</i></b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>438</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>56</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>496</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>887</i></b></font></td></tr>
  </table>
<p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

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

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

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

<!-- Field: Page; Sequence: 21; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->21<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

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

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Credit risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Sector analysis &ndash; portfolio summary continued</b></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="background-color: white">
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" 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: black">Personal</font></td>
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" 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: black">Non-Personal</font></td>
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="padding-top: 1pt; width: 32%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 1%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Corporate</font></td>
    <td style="padding-top: 1pt; width: 7%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Financial</font><font style="font-size: 6pt; color: black">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Mortgages (1)</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Credit cards</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Other personal</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total</font></td>
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">and
    other</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">institutions</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Sovereign</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total</font></td></tr>
  <tr style="background-color: white">
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31
    December 2024</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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>Loans by geography</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">209,846</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,930</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9,749</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226,525</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">111,734</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">70,321</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,645</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">183,700</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">410,225</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    UK</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>209,846</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; color: black"><i>6,930</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; color: black"><i>9,749</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; color: black"><i>226,525</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>97,409</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; color: black"><i>43,412</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; color: black"><i>562</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; color: black"><i>141,383</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; color: black"><i>367,908</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Other Europe</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><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; color: black"><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; color: black"><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; color: black"><i>-</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>6,311</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; color: black"><i>14,747</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; color: black"><i>766</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; color: black"><i>21,824</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; color: black"><i>21,824</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- RoW</font></i></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; color: black"><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; color: black"><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; color: black"><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; color: black"><i>-</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>8,014</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; color: black"><i>12,162</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; color: black"><i>317</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>20,493</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; color: black"><i>20,493</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>&nbsp;</b></font><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d">Loans
    by asset quality</font></b><b><font style="font-size: 8pt; color: #5a287d">&nbsp;<font style="font-family: Arial, Helvetica, Sans-Serif; font-style: normal">(2)</font></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; color: black">209,846</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,930</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9,749</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226,525</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">111,734</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">70,321</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,645</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">183,700</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">410,225</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    AQ1-AQ4</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>113,209</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; color: black"><i>128</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; color: black"><i>818</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; color: black"><i>114,155</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>43,918</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; color: black"><i>65,078</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; color: black"><i>1,365</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; color: black"><i>110,361</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; color: black"><i>224,516</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    AQ5-AQ8</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>92,946</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; color: black"><i>6,516</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; color: black"><i>7,880</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; color: black"><i>107,342</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>65,231</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; color: black"><i>5,172</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; color: black"><i>127</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; color: black"><i>70,530</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; color: black"><i>177,872</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    AQ9</font></i><i><font style="font-size: 8pt; color: black">&nbsp;</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>1,156</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; color: black"><i>110</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; color: black"><i>191</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; color: black"><i>1,457</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>306</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; color: black"><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; color: black"><i>132</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; color: black"><i>450</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; color: black"><i>1,907</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ10</font></i></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; color: black"><i>2,535</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; color: black"><i>176</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; color: black"><i>860</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; color: black"><i>3,571</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>2,279</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; color: black"><i>59</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; color: black"><i>21</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; color: black"><i>2,359</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; color: black"><i>5,930</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Loans by stage</b></font><b><font style="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; color: black">209,846</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,930</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9,749</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226,525</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">111,734</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">70,321</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,645</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">183,700</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">410,225</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 1</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>186,250</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; color: black"><i>4,801</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; color: black"><i>7,267</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; color: black"><i>198,318</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>94,991</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; color: black"><i>69,021</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; color: black"><i>1,491</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; color: black"><i>165,503</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; color: black"><i>363,821</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 2</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>21,061</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; color: black"><i>1,953</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; color: black"><i>1,622</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; color: black"><i>24,636</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>14,464</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; color: black"><i>1,241</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; color: black"><i>133</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; color: black"><i>15,838</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; color: black"><i>40,474</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 3</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>2,535</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; color: black"><i>176</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; color: black"><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; color: black"><i>3,571</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>2,279</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; color: black"><i>59</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; color: black"><i>21</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; color: black"><i>2,359</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; color: black"><i>5,930</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Of which: individual</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>141</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; color: black"><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; color: black"><i>26</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; color: black"><i>167</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>1,046</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; color: black"><i>51</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; color: black"><i>21</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; color: black"><i>1,118</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; color: black"><i>1,285</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Of which: collective</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>2,394</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; color: black"><i>176</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; color: black"><i>834</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; color: black"><i>3,404</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>1,233</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; color: black"><i>8</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; color: black"><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; color: black"><i>1,241</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; color: black"><i>4,645</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 - past due analysis</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">209,846</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,930</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9,749</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226,525</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">111,734</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">70,321</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,645</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">183,700</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">410,225</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Not past due</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>206,739</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; color: black"><i>6,721</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; color: black"><i>8,865</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; color: black"><i>222,325</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>107,855</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; color: black"><i>70,055</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; color: black"><i>1,627</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; color: black"><i>179,537</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; color: black"><i>401,862</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Past due 1-30 days</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>1,404</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; color: black"><i>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; color: black"><i>70</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; color: black"><i>1,524</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>2,530</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; color: black"><i>211</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; color: black"><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; color: black"><i>2,741</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; color: black"><i>4,265</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Past due 31-90 days</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>580</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; color: black"><i>51</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; color: black"><i>99</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; color: black"><i>730</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>398</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; color: black"><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; color: black"><i>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; color: black"><i>418</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; color: black"><i>1,148</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Past due 91-180 days</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>408</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; color: black"><i>41</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; color: black"><i>96</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; color: black"><i>545</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>139</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; color: black"><i>49</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; color: black"><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; color: black"><i>188</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; color: black"><i>733</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Past due &gt;180 days</font></i></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; color: black"><i>715</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; color: black"><i>67</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; color: black"><i>619</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; color: black"><i>1,401</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>812</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; color: black"><i>4</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; color: black"><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; color: black"><i>816</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; color: black"><i>2,217</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="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21,061</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,953</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,622</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">24,636</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14,464</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,241</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">133</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">15,838</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">40,474</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Not past due</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>19,939</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; color: black"><i>1,889</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; color: black"><i>1,521</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; color: black"><i>23,349</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>13,485</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; color: black"><i>1,228</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; color: black"><i>133</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; color: black"><i>14,846</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; color: black"><i>38,195</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Past due 1-30 days</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>853</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; color: black"><i>31</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; color: black"><i>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; color: black"><i>921</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>640</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; color: black"><i>11</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; color: black"><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; color: black"><i>651</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; color: black"><i>1,572</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Past due 31-90 days</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>269</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; color: black"><i>33</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; color: black"><i>64</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; color: black"><i>366</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>339</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; color: black"><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; color: black"><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; color: black"><i>341</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; color: black"><i>707</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Weighted average life</b></font></td>
    <td colspan="10" style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- ECL measurement (years)</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; color: black">8</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; color: black">4</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; color: black">6</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; color: black">6</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black">6</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; color: black">2</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; color: black">nm</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; color: black">6</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; color: black">6</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Weighted average 12 months PDs</b></font></td>
    <td colspan="10" style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    IFRS 9 (%)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.51</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3.23</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">4.59</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.76</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1.24</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.16</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">5.51</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.86</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.80</font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Basel (%)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.68</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3.65</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3.18</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.87</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1.11</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.15</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">4.16</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.76</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.82</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 geography</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">462</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">381</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">969</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,812</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,504</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">90</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">19</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,613</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,425</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    UK</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>462</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; color: black"><i>381</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; color: black"><i>969</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; color: black"><i>1,812</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>1,335</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; color: black"><i>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; color: black"><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; color: black"><i>1,384</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; color: black"><i>3,196</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Other Europe</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><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; color: black"><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; color: black"><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; color: black"><i>-</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>109</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; color: black"><i>9</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; color: black"><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; color: black"><i>118</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; color: black"><i>118</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- RoW</font></i></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; color: black"><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; color: black"><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; color: black"><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; color: black"><i>-</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>60</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; color: black"><i>44</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; color: black"><i>7</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; color: black"><i>111</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; color: black"><i>111</i></font></td></tr>
  </table>
<p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">nm = not meaningful</p>

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

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

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->22<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="color: #5a287d">Risk and capital management continued</font></p>

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

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Credit risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Sector analysis &ndash; portfolio summary continued</b></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="background-color: white">
    <td>&nbsp;</td>
    <td colspan="10">&nbsp;</td></tr>
  <tr style="background-color: white">
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" 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: black">Personal</font></td>
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" 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: black">Non-Personal</font></td>
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="padding-top: 1pt; width: 32%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 8%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 1%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Corporate</font></td>
    <td style="padding-top: 1pt; width: 7%; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Financial</font><font style="font-size: 6pt; color: black">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; width: 7%; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Mortgages (1)</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Credit cards</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Other personal</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total</font></td>
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">and
    other</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">institutions</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Sovereign</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total</font></td>
    <td style="padding-top: 1pt; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Total</font></td></tr>
  <tr style="background-color: white">
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31
    December 2024</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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</b></font><b><font style="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; color: black">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; color: black">381</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">969</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,812</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,504</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">90</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">19</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,613</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,425</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 1</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>77</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; color: black"><i>77</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; color: black"><i>130</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; color: black"><i>284</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>264</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; color: black"><i>38</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; color: black"><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; color: black"><i>314</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; color: black"><i>598</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 2</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>60</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; color: black"><i>186</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>183</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; color: black"><i>429</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>344</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; color: black"><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; color: black"><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; color: black"><i>358</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; color: black"><i>787</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 3</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>325</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; color: black"><i>118</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; color: black"><i>656</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; color: black"><i>1,099</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>896</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; color: black"><i>40</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; color: black"><i>5</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; color: black"><i>941</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; color: black"><i>2,040</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Of which: individual</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>11</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; color: black"><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; color: black"><i>17</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; color: black"><i>28</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>382</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; color: black"><i>36</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; color: black"><i>5</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; color: black"><i>423</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; color: black"><i>451</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Of which: collective</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>314</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; color: black"><i>118</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; color: black"><i>639</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; color: black"><i>1,071</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>514</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; color: black"><i>4</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; color: black"><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; color: black"><i>518</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; color: black"><i>1,589</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 (%)</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.22</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">5.50</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9.94</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.80</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1.35</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.13</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1.16</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.88</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.83</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 1 (%)</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>0.04</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; color: black"><i>1.60</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; color: black"><i>1.79</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; color: black"><i>0.14</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>0.28</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; color: black"><i>0.06</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; color: black"><i>0.80</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; color: black"><i>0.19</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; color: black"><i>0.16</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Stage 2 (%)</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>0.28</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; color: black"><i>9.52</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; color: black"><i>11.28</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; color: black"><i>1.74</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>2.38</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; color: black"><i>0.97</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; color: black"><i>1.50</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; color: black"><i>2.26</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; color: black"><i>1.94</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Stage 3 (%)</font></i></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; color: black"><i>12.82</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; color: black"><i>67.05</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; color: black"><i>76.28</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; color: black"><i>30.78</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>39.32</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; color: black"><i>67.80</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; color: black"><i>23.81</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; color: black"><i>39.89</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; color: black"><i>34.40</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><b><font style="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; color: black">209,846</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,930</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9,749</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">226,525</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">111,734</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">70,321</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,645</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">183,700</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">410,225</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    &lt;1 year</font></i><i><font style="font-size: 8pt; color: black">&nbsp;</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>3,367</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; color: black"><i>3,903</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; color: black"><i>3,186</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>10,456</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>34,929</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; color: black"><i>54,971</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; color: black"><i>822</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; color: black"><i>90,722</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; color: black"><i>101,178</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    1-5 year</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>11,651</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; color: black"><i>3,027</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; color: black"><i>5,551</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; color: black"><i>20,229</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>48,075</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; color: black"><i>10,967</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; color: black"><i>488</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; color: black"><i>59,530</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; color: black"><i>79,759</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    &gt;5&lt; 15 year</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>45,454</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; color: black"><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; color: black"><i>1,006</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; color: black"><i>46,460</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>20,623</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; color: black"><i>4,270</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; color: black"><i>298</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; color: black"><i>25,191</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; color: black"><i>71,651</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;&nbsp;</i></font><i><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    &gt;15 year</font></i></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; color: black"><i>149,374</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; color: black"><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; color: black"><i>6</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; color: black"><i>149,380</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>8,107</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; color: black"><i>113</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; color: black"><i>37</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; color: black"><i>8,257</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; color: black"><i>157,637</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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;<font style="font-family: Arial, Helvetica, Sans-Serif; font-style: normal">(2)</font></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; color: black">-</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,644</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">31,102</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">119,502</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">154,248</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">154,248</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    AQ1-AQ4</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><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; color: black"><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; color: black"><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; color: black"><i>-</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>3,639</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; color: black"><i>30,743</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; color: black"><i>119,502</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; color: black"><i>153,884</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; color: black"><i>153,884</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ5-AQ8</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><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; color: black"><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; color: black"><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; color: black"><i>-</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>5</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; color: black"><i>359</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; color: black"><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; color: black"><i>364</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; color: black"><i>364</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="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13,806</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">20,135</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">7,947</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">41,888</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">75,964</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21,925</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">239</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">98,128</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">140,016</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    Loan commitments</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>13,806</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; color: black"><i>20,135</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; color: black"><i>7,906</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; color: black"><i>41,847</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>72,940</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; color: black"><i>20,341</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; color: black"><i>239</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; color: black"><i>93,520</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; color: black"><i>135,367</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- Contingent liabilities</font></i></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; color: black"><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; color: black"><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; color: black"><i>41</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; color: black"><i>41</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>3,024</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; color: black"><i>1,584</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; color: black"><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; color: black"><i>4,608</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; color: black"><i>4,649</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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;<font style="font-family: Arial, Helvetica, Sans-Serif; font-style: normal">(2)</font></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; color: black">13,806</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">20,135</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">7,947</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">41,888</font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">75,964</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21,925</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">239</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">98,128</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">140,016</font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    AQ1-AQ4</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>12,951</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; color: black"><i>510</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; color: black"><i>6,568</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; color: black"><i>20,029</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>47,896</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; color: black"><i>20,063</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; color: black"><i>155</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; color: black"><i>68,114</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; color: black"><i>88,143</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    AQ5-AQ8</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>839</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; color: black"><i>19,276</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; color: black"><i>1,336</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; color: black"><i>21,451</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>27,657</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; color: black"><i>1,813</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; color: black"><i>21</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; color: black"><i>29,491</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; color: black"><i>50,942</i></font></td></tr>
  <tr style="background-color: white">
    <td><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-
    AQ9</font></i><i><font style="font-size: 8pt; color: black">&nbsp;</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><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; color: black"><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; color: black"><i>17</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; color: black"><i>30</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>19</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; color: black"><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; color: black"><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; color: black"><i>82</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; color: black"><i>112</i></font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black"><i>&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- AQ10</font></i></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; color: black"><i>15</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; color: black"><i>337</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; color: black"><i>26</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; color: black"><i>378</i></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</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; color: black"><i>392</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; color: black"><i>49</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; color: black"><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; color: black"><i>441</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; color: black"><i>819</i></font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 6pt 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: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td><td><font style="font-family: RN House Sans Light,sans-serif">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 the UK reflecting
the country of lending origination and includes crown dependencies</font></td></tr></table>

<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: 14.2pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td><td><font style="font-family: RN House Sans Light,sans-serif">AQ bandings are based on Basel PDs and mapping as follows:</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 6pt RN House Sans Regular">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 70%; border-collapse: collapse">
  <tr>
    <td style="vertical-align: bottom; width: 16%; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Internal asset quality band</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; width: 20%; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Probability of default range</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; width: 17%; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Indicative S&amp;P rating</font></td>
    <td style="vertical-align: top; width: 1%; font: 6pt RN House Sans Regular">&nbsp;</td>
    <td style="vertical-align: bottom; width: 16%; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Internal asset quality band</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; width: 17%; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Probability of default range</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; width: 13%; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Indicative S&amp;P rating</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ1</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0% - 0.034%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AAA to AA</font></td>
    <td style="vertical-align: top; font: 6pt RN House Sans Regular">&nbsp;</td>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ6</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">1.076% - 2.153%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BB- to B+</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ2</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.034% - 0.048%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AA to AA-</font></td>
    <td style="vertical-align: top; font: 6pt RN House Sans Regular">&nbsp;</td>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ7</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2.153% - 6.089%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">B+ to B</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ3</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.048% - 0.095%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">A+ to A</font></td>
    <td style="vertical-align: top; font: 6pt RN House Sans Regular">&nbsp;</td>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ8</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">6.089% - 17.222%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">B- to CCC+</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ4</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.095% - 0.381%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BBB+ to BBB-</font></td>
    <td style="vertical-align: top; font: 6pt RN House Sans Regular">&nbsp;</td>
    <td style="vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ9</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">17.222% - 100%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">CCC to C</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ5</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">0.381% - 1.076%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">BB+ to BB</font></td>
    <td style="vertical-align: top; font: 6pt RN House Sans Regular">&nbsp;</td>
    <td style="vertical-align: bottom; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">AQ10</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">100%</font></td>
    <td style="padding-left: 5pt; vertical-align: bottom; border-bottom: Black 1pt solid; font: 6pt RN House Sans Regular"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">D</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 3pt 0 0pt">&pound;0.4 billion (31 December 2024 &ndash; &pound;0.3 billion) of
AQ10 Personal balances primarily relate to loan commitments, the drawdown of which is effectively prohibited.</p>

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

<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt"></font></p>

<!-- Field: Page; Sequence: 23; 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: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Credit risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Sector analysis &ndash; portfolio summary continued</b></p>

<p style="font: 10pt  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">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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-bottom: 2pt; white-space: nowrap; background-color: white"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-bottom: 2pt; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="3" style="padding-bottom: 2pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Off-balance
    sheet</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-bottom: 2pt; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding-bottom: 2pt; white-space: nowrap; background-color: white"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-bottom: 2pt; 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="padding-bottom: 2pt; 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="padding-bottom: 2pt; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-bottom: 2pt; 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="padding-bottom: 2pt; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="4" style="padding-bottom: 2pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>ECL
    provisions</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td></tr>
  <tr>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 35%; background-color: white"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Stage
    1</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Stage
    2</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Stage
    3</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Total</b></font></td>
    <td style="padding-bottom: 2pt; 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="padding-bottom: 2pt; white-space: nowrap; width: 1%; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-bottom: 2pt; 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>liabilities</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 1%; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Stage
    1</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Stage
    2</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Stage
    3</b></font></td>
    <td style="padding-bottom: 2pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Total</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31
    March 2025</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 6pt">&nbsp;</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"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-top: black 1pt solid; white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Personal</b></font></td>
    <td style="border-top: 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>201,143</b></font></td>
    <td style="border-top: 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>23,960</b></font></td>
    <td style="border-top: 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>3,644</b></font></td>
    <td style="border-top: 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>228,747</b></font></td>
    <td style="border-top: 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>41,353</b></font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: 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>40</b></font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: 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>294</b></font></td>
    <td style="border-top: 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>432</b></font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,164</b></font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,890</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Mortgages</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">(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>188,720</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>20,683</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>2,545</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>211,948</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>12,373</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>-</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>76</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>332</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>469</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font>
    <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>4,847</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>1,872</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>187</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>6,906</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>21,182</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>-</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>84</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>192</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>409</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other personal</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>7,576</b></font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,405</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>912</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>9,893</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>7,798</b></font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>40</b></font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>134</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>179</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>699</b></font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,012</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Non-Personal</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>162,425</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>15,967</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>2,330</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>180,722</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>94,006</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>4,305</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>300</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>355</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>979</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>1,634</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Financial institutions</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">(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>68,143</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>488</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>122</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>68,753</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>19,939</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>1,455</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>38</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>79</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></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <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>1,205</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>19</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,357</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</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>-</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>14</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>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>21</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Corporate and other</font><font style="font-size: 8pt">&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>93,077</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>15,346</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>2,189</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>110,612</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>73,858</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>2,850</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>248</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>343</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>895</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>1,486</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Of which:</font></i></td>
    <td colspan="12" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Commercial real estate</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>16,264</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>1,447</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>435</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>18,146</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>6,750</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>160</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>72</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>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>136</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>238</i></b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Mobility and logistics</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>13,653</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>2,575</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>146</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>16,374</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>9,606</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>508</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>24</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>38</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>66</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>128</i></b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Consumer industries</font></i></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>12,511</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>3,099</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>416</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>16,026</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>11,073</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>556</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9"><font style="font-size: 8pt">&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><i>41</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>83</i></b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b><i>191</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>315</i></b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</font></td>
    <td style="border-top: black 1pt solid; 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>363,568</b></font></td>
    <td style="border-top: black 1pt solid; 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>39,927</b></font></td>
    <td style="border-top: black 1pt solid; 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>5,974</b></font></td>
    <td style="border-top: black 1pt solid; 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>409,469</b></font></td>
    <td style="border-top: black 1pt solid; 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>135,359</b></font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; 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>4,345</b></font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; 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</b></font></td>
    <td style="border-top: black 1pt solid; 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>787</b></font></td>
    <td style="border-top: black 1pt solid; 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>2,143</b></font></td>
    <td style="border-top: black 1pt solid; 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>3,524</b></font></td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td colspan="13" style="white-space: nowrap">&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: 6pt">31 December 2024</font></td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td></tr>
  <tr style="background-color: white">
    <td style="border-top: black 1pt solid; white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Personal</b></font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">198,318</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24,636</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,571</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">226,525</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">41,847</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">41</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">284</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">429</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,099</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,812</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Mortgages</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">(1)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">186,250</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21,061</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,535</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">209,846</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,806</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</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"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">325</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">462</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <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">4,801</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,953</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">176</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,930</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20,135</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</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"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">77</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">186</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">381</font></td></tr>
  <tr style="background-color: white">
    <td style="border-bottom: black 1pt solid; white-space: nowrap; vertical-align: bottom"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other personal</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,267</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,622</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">860</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,749</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,906</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">41</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">130</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">656</font></td>
    <td style="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">969</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Non-Personal</b></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">165,503</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15,838</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,359</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183,700</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">93,520</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,608</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">314</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">358</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">941</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,613</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Financial institutions</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; font-style: normal; font-weight: normal">(2)</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">69,021</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,241</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">59</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">70,321</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20,341</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,584</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">38</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">40</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">90</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <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">1,491</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">133</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,645</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">239</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</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"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12</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">5</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Corporate and other</font><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">94,991</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14,464</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,279</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">111,734</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">72,940</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,024</font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">264</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">344</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">896</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,504</font></td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Of which:</font></i></td>
    <td colspan="12" style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Commercial real estate</font></i></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>16,191</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>1,517</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>433</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>18,141</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>6,661</i></font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</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"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>70</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>30</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>146</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>246</i></font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Consumer industries</font></i></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>13,312</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>3,015</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>444</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>16,771</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>10,706</i></font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>595</i></font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>45</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>90</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>188</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>323</i></font></td></tr>
  <tr style="background-color: white">
    <td style="white-space: nowrap"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</i></font><i>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Mobility and logistics</font></i></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>13,363</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>2,384</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>148</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>15,895</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>9,367</i></font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>595</i></font></td>
    <td style="white-space: nowrap"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>26</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>35</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>67</i></font></td>
    <td style="white-space: nowrap; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><i>128</i></font></td></tr>
  <tr style="vertical-align: bottom; background-color: white">
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">363,821</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">40,474</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,930</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">410,225</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">135,367</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,649</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">598</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">787</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,040</font></td>
    <td style="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,425</font></td></tr>
  </table>
<p style="font: 6pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: -14.2pt; color: #42145f">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 3%; font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 97%; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">As at 31 March 2025, &pound;139.8 billion, 65.9%, of the total residential mortgages portfolio had Energy Performance Certificate (EPC) data available (31 December 2024 &ndash; &pound;139.1 billion, 66.3%). Of which, 47.1% were rated as EPC A to C (31 December 2024 &ndash; 46.3%).</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center; font-size: 8pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td>
    <td style="padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes transactions, such as securitisations, where the underlying assets may be in other sectors.</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt"></font></p>

<!-- Field: Page; Sequence: 24; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->24<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

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

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_014"></a>Capital, liquidity and funding risk</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>Key developments since 31 December 2024</b></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<div style="float: left; width: 49%">

<p style="font: 8pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding: 2pt 5.4pt; white-space: nowrap; vertical-align: top; width: 25%; border-top: #BFBFBF 1pt solid; border-bottom: #BFBFBF 1pt solid; background-color: #F2EAF9">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>CET1 ratio</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d">13.8%</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 &ndash; 13.6%)</p></td>
    <td style="padding: 2pt 5.4pt; vertical-align: top; width: 75%; border-top: #BFBFBF 1pt solid; border-bottom: #BFBFBF 1pt solid">
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The CET1 ratio increased by 20 basis points to 13.8% due to a &pound;0.8
    billion increase in CET1 capital partially offset by a &pound;3.8 billion increase in RWAs.</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The CET1 capital increase was mainly driven by an attributable profit
to ordinary shareholders in the period of &pound;1.3 billion and other movements on reserves and regulatory adjustments of &pound;0.2
billion partially offset by a foreseeable ordinary dividend accrual of &pound;0.6 billion.</p></td>
    </tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    </tr>
  <tr>
    <td style="padding: 2pt 5.4pt; white-space: nowrap; vertical-align: top; border-bottom: #BFBFBF 1pt solid; background-color: #F2EAF9">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>RWAs</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d">&pound;187.0bn</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 - &pound;183.2bn)</p></td>
    <td style="padding: 2pt 5.4pt; vertical-align: top; border-bottom: #BFBFBF 1pt solid">
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Total RWAs increased by &pound;3.8 billion to &pound;187.0 billion
    mainly reflecting:</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.2pt; text-indent: -14.2pt"><font style="font-family: Symbol; font-size: 10pt; color: #42145f">-</font><font style="font-family: Times New Roman, Times, Serif; font-size: 7pt; color: #42145f">&nbsp;&nbsp;&nbsp;&nbsp;
    </font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">an increase in operational risk RWAs of &pound;2.2 billion
    following the annual recalculation.</font></p>
    <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.2pt; text-indent: -14.2pt"><font style="font-family: Symbol; font-size: 10pt; color: #42145f">-</font><font style="font-family: Times New Roman, Times, Serif; font-size: 7pt; color: #42145f">&nbsp;&nbsp;&nbsp;&nbsp;
    </font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">an increase in credit risk RWAs of &pound;0.9 billion,
    primarily driven by lending growth partially offset by reductions due to active RWA management. Further increase driven by CRD IV model updates within Retail Banking and Commercial &amp; Institutional. </font></p>
    <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.2pt; text-indent: -14.2pt"><font style="font-family: Symbol; font-size: 10pt; color: #42145f">-</font><font style="font-family: Times New Roman, Times, Serif; font-size: 7pt; color: #42145f">&nbsp;&nbsp;&nbsp;&nbsp;
    </font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">an increase in market risk RWAs of &pound;0.5 billion,
    driven by an SVaR increase due to movement in FX risk and a decrease in VaR due to interest rate risk.</font></p>
    <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.2pt; text-indent: -14.2pt"><font style="font-family: Symbol; font-size: 10pt; color: #42145f">-</font><font style="font-family: Times New Roman, Times, Serif; font-size: 7pt; color: #42145f">&nbsp;&nbsp;&nbsp;&nbsp;
    </font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">an increase in counterparty credit risk RWAs of &pound;0.2
    billion driven by an increase in securities financing transactions.</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p></td>
    </tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    </tr>
  <tr>
    <td style="padding: 2pt 5.4pt; white-space: nowrap; vertical-align: top; border-bottom: #BFBFBF 1pt solid; background-color: #F2EAF9">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>MREL ratio</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d">32.7%</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 &ndash; 33.0%)</p></td>
    <td style="padding: 2pt 5.4pt; vertical-align: top; border-bottom: #BFBFBF 1pt solid">
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Minimum Requirements of own funds and Eligible Liabilities (MREL)
    ratio decreased to 32.7% driven by a &pound;3.8 billion increase in RWAs partially offset by a &pound;0.7 billion increase in MREL. MREL
    increased to &pound;61.2 billion driven by a &pound;2.4 billion increase in eligible capital partially offset by a &pound;1.6 billion
    decrease in senior unsecured debt.</p>
    <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The capital increase was driven by CET1 movements and the issuance
    of a &pound;0.7 billion Additional Tier 1 instrument and a &euro;1.0 billion subordinated debt Tier 2 instrument.</p>
    <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The decrease in senior unsecured debt was driven by the redemption
    of a &euro;1.5 billion debt instrument and foreign exchange movements.</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p></td>
    </tr>
  </table>
<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 7pt">&nbsp;</font></p>

</div>

<div style="float: right; width: 49%">

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-top: #BFBFBF 1pt solid; border-bottom: #BFBFBF 1pt solid; background-color: #F2EAF9">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>UK leverage ratio</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d">5.2%</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 &ndash; 5.0%)</p></td>
    <td colspan="2" style="padding: 2pt 5.4pt; vertical-align: top; border-top: #BFBFBF 1pt solid; border-bottom: #BFBFBF 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The leverage ratio increased by 20 basis points to 5.2% due to a &pound;1.5 billion increase in Tier 1 capital partially offset by a &pound;5.3 billion increase in leverage exposure. The key drivers in the leverage exposure were an increase in trading assets and other off balance sheet items.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid; width: 25%"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid; width: 1%"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid; width: 74%"><font style="font-size: 5pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid; background-color: #F2EAF9">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>Liquidity portfolio</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d">&pound;222.1bn</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 - &pound;222.3bn)</p></td>
    <td colspan="2" style="border-bottom: #BFBFBF 1pt solid; padding: 2pt 5.4pt; vertical-align: top"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">The liquidity portfolio decreased by &pound;0.2 billion to &pound;222.1 billion compared with Q4 2024. Primary liquidity increased by &pound;2.0 billion to &pound;163.1 billion, driven by an increase in customer deposits and issuance partially offset by increased lending. Secondary liquidity decreased by &pound;2.2 billion due to a reduced pre-positioned collateral at the Bank of England.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding: 2pt 5.4pt; white-space: nowrap; background-color: #F2EAF9">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>LCR spot</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d">150%</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 &ndash; 150%)</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p></td>
    <td colspan="2" rowspan="2" style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">The spot Liquidity Coverage Ratio (LCR) of 150%, unchanged compared with Q4 2024 primarily due to increased lending partially offset by increased issuance.</font></td></tr>
  <tr style="background-color: #F2EAF9">
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>LCR average</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d">151%</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 &ndash; 151%)</p></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td>
    <td style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid"><font style="font-size: 5pt">&nbsp;</font></td></tr>
  <tr>
    <td style="padding: 2pt 5.4pt; white-space: nowrap; vertical-align: top; background-color: #F2EAF9">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>NSFR spot</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; text-align: justify; color: #5a287d">136%</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; text-align: justify; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 &ndash; 137%)</p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p></td>
    <td colspan="2" rowspan="2" style="padding: 2pt 5.4pt; border-bottom: #BFBFBF 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">The spot Net Stable Funding Ratio (NSFR) of 136% decreased 1% compared with Q4 2024 driven by increased lending offset by increased issuance.</font></td></tr>
  <tr style="vertical-align: top; background-color: #F2EAF9">
    <td style="padding: 2pt 5.4pt; white-space: nowrap; border-bottom: #BFBFBF 1pt solid">
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><b>NSFR average</b></p>
    <p style="font: 9pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a198c"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; text-align: justify; color: #5a287d">137%</p>
    <p style="font: 16pt  Arial, Helvetica, Sans-Serif Black; margin: 0pt 0; text-align: justify; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">(2024 &ndash; 137%)</p></td></tr>
  </table>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 9pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

</div>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0"><font style="font-size: 10pt"></font></p>

<!-- Field: Page; Sequence: 25; Value: 2 -->
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    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
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<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital, liquidity and funding risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&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; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="font: 9pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-family: RN House Sans Light,sans-serif">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.</font>&nbsp;&nbsp;</p>

<p style="font: 9pt Calibri, 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 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: 9pt 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
our minimum requirements and our MDA threshold requirements.</p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; width: 61%; 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: 13%; 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: 13%; 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="white-space: nowrap; width: 13%; 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 style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Pillar 1 requirements</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>4.5%</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>6.0%</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>8.0%</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">Pillar 2A</font><font style="font-size: 8pt">&nbsp; <font style="font-family: RN House Sans Light,sans-serif">requirements</font></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>1.8%</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>2.4%</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>3.2%</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; color: #5a287d"><b>Minimum Capital Requirements</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>6.3%</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>8.4%</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></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">Capital conservation buffer</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2.5%</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>2.5%</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>2.5%</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 capital buffer</font><font style="font-size: 8pt">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(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>1.7%</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>1.7%</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>1.7%</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>MDA threshold</b></font><b><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">(2)</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: 8pt; color: #5a287d"><b>10.5%</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>n/a</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>n/a</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">Overall capital requirement</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>10.5%</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>12.6%</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>15.4%</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">Capital ratios at 31 March 2025</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; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>17.0%</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>20.6%</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">Headroom</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(3,4)</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>3.3%</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>4.4%</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>5.2%</b></font></td></tr>
  </table>
<p style="font: 7.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 2%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 98%; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The UK countercyclical capital buffer (CCyB) rate is currently being maintained at 2%.&nbsp;&nbsp;The rate may vary in either direction in the future, depending on how risks develop. Foreign exposures may be subject to different CCyB rates depending on the rates set in those jurisdictions.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Pillar 2A requirements for NatWest Group are set as a variable amount with the exception of some fixed add-ons.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The headroom does not reflect excess distributable capital and may vary over time.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Headroom as at 31 December 2024 was CET1 3.1%, Total Tier 1 3.9% and Total capital 4.3%.</font></td></tr>
  </table>
<p style="font: 7.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<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; color: #5a287d">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; width: 74%; 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: 13%; 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: 13%; 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><font style="font-size: 8pt">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(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 cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 2%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 98%; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The countercyclical leverage ratio buffer is set at 35% of NatWest Group&rsquo;s CCyB.</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>Liquidity and funding ratios</b></p>

<p style="font: 10pt  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">The table below summarises the minimum requirements for key liquidity
and funding metrics under the PRA framework.</p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; width: 74%; 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: 13%; border-bottom: black 1pt solid">&nbsp;</td>
    <td style="white-space: nowrap; width: 13%">&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">Liquidity Coverage Ratio (LCR)</font></td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>100%</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">Net Stable Funding Ratio (NSFR)</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>100%</b></font></td></tr>
  </table>

<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<p style="margin-top: 0; margin-bottom: 0"></p>

<!-- Field: Page; Sequence: 26; 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="margin-top: 0; margin-bottom: 0">&nbsp;</p>



<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital, liquidity and funding risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&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; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The tables below show key prudential metrics calculated in accordance
with current PRA rules.</p>

<p style="font: 9pt 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: 76%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 12%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</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></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Capital adequacy ratios</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; 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; 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="border-top: black 1pt solid; 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>13.8</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></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>17.0</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">16.5</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>20.6</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">19.7</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="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; 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></tr>
  <tr>
    <td style="border-top: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tangible equity</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>28,025</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">26,482</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>(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">(27)</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>(230)</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">(230)</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>(1,007)</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">(1,084)</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="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28</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>(151)</b></font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(147)</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>1,314</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">1,443</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreseeable ordinary dividends</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,875)</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">(1,249)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment for trust assets</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(2)</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(365)</b></font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(365)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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>-</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></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other adjustments for regulatory purposes</font></td>
    <td style="white-space: nowrap; 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; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">44</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>(2,294)</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">(1,554)</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: 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-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>25,731</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; border-right: 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">24,928</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Additional AT1 capital</font></td>
    <td style="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>6,005</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">5,259</font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tier 1 capital</font></td>
    <td style="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>31,736</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">30,187</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: 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>6,721</b></font></td>
    <td style="white-space: nowrap; border-top: black 1pt solid; border-right: 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">5,918</font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total regulatory 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>38,457</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">36,105</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Risk-weighted assets</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">(1)</font></b></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Credit risk</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>149,015</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">148,078</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>7,342</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">7,103</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>6,689</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">6,219</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operational risk</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>23,959</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></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 RWAs</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>187,005</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">183,221</font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For the footnotes to the table refer to the following page.</p>

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

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

<!-- Field: Page; Sequence: 27; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->27<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

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




<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital, liquidity and funding risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&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; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="width: 76%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 12%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">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>2025</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; color: black">2024</font></td></tr>
  <tr>
    <td style="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; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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; color: black">Cash and balances at central banks</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>99,045</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; color: black">92,994</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Trading assets</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>53,294</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; color: black">48,917</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Derivatives</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>62,853</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; color: black">78,406</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Financial assets</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>469,628</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; color: black">469,599</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: black">Other assets</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>25,212</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; color: black">18,069</font></td></tr>
  <tr>
    <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; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>710,032</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; color: black">707,985</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Derivatives</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- netting and variation margin</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(60,701)</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; color: black">(76,101)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">- potential future exposures</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>16,859</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; color: black">16,692</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Securities financing transactions gross up</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,164</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; color: black">2,460</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other off balance sheet items</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>60,927</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; color: black">59,498</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Regulatory deductions and other adjustments</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(18,508)</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; color: black">(11,014)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Claims on central banks</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(95,520)</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; color: black">(89,299)</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: black">Exclusion of bounce back loans</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>(2,114)</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; color: black">(2,422)</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: black">UK leverage exposure</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>613,139</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; color: black">607,799</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: black">UK leverage ratio (%)</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(3)</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>5.2</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; color: black">5.0</font></td></tr>
  </table>
<p style="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 3%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 97%; font: 10pt Arial, Helvetica, Sans-Serif; color: #003366"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: windowtext">The IFRS 9 transitional capital rules in respect of ECL provisions no longer apply as of 1 January 2025. (The impact of the IFRS 9 transitional adjustments at 31 December 2024 was &pound;33 million for CET1 capital, &pound;33 million for total capital and &pound;3 million RWAs. Excluding this adjustment at 31 December 2024, the CET1 ratio was 13.6%, Tier 1 capital ratio was 16.5% and the Total capital ratio was 19.7%).</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td>
    <td style="font: 10pt Arial, Helvetica, Sans-Serif; color: #003366"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: windowtext">Prudent deduction in respect of agreement with the pension fund.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</font></td>
    <td style="font: 10pt Arial, Helvetica, Sans-Serif; color: #003366"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: windowtext">The UK leverage exposure and Tier 1 capital are calculated in accordance with current PRA rules. The IFRS 9 transitional capital rules in respect of ECL no longer apply</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: windowtext">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: windowtext">as of</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: windowtext">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: windowtext">1 January 2025. (Excluding the IFRS 9 transitional adjustment, the UK leverage ratio at 31 December 2024 was 5.0%).</font></td></tr>
  </table>
<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0"></p>

<!-- Field: Page; Sequence: 28; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->28<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital, liquidity and funding risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="color: #5a287d; font: bold 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>Capital flow statement </b></p>

<p style="color: #5a287d; font: bold 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">The table below analyses the movement in CET1, AT1 and Tier 2 capital
for the three months ended 31 March 2025.</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 5pt">&nbsp;</font></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="width: 60%; 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>CET1</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>AT1</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>Tier 2</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</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></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 2024</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>24,928</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>5,259</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>5,918</b></font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>36,105</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>1,252</b></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>1,252</b></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="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(626)</b></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>(626)</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>(27)</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></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>(27)</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>42</b></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>42</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>(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>-</b></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>(10)</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>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>-</b></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>99</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>48</b></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>48</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>77</b></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>77</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>-</b></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="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>746</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>823</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,569</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>(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>(20)</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>(33)</b></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>(33)</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>(12)</b></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>(12)</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>(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>-</b></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)</b></font></td></tr>
  <tr>
    <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; color: #5a287d"><b>At 31 March 2025</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>25,731</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>6,005</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>6,721</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>38,457</b></font></td></tr>
  </table>
<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 14.2pt">&nbsp;</p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For CET1 movements refer to the key points on page 25. </font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 7pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The AT1 movement reflects the &pound;0.7 billion 7.500%
Reset Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital Notes issued in March 2025.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif"><font style="font-size: 7pt">&nbsp;</font></p>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier 2 movements of &pound;0.8 billion include an increase
of &pound;0.8 billion for a &euro;1.0 billion 3.723% per cent Fixed to Fixed Rate Reset Tier 2 Notes 2035 issued in February 2025 partially
offset by immaterial foreign exchange movements on Tier 2 instruments.</font></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 11pt Calibri, Helvetica, Sans-Serif">&nbsp;</p>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"></p>

<!-- Field: Page; Sequence: 29; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital, liquidity and funding risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 7pt">&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; color: #5a287d"><font style="font-size: 7pt">&nbsp;</font></p>

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

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 45%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Counterparty</b></font></td>
    <td style="white-space: nowrap; width: 11%; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Operational</b></font></td>
    <td style="white-space: nowrap; width: 11%; background-color: #F2EAF9">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Credit risk</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>credit risk</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Market risk</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&nbsp;</b></font><b><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">risk (1)</font></b></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Total</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td></tr>
  <tr>
    <td style="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 2024</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>148.1</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>7.1</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>6.2</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>21.8</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>183.2</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">Foreign exchange movement</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(0.2)</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>-</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>-</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>(0.2)</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">Business movement</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.1</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>0.2</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>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>2.2</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>3.0</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">Risk parameter changes</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.2</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>-</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>-</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>0.2</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">Methodology changes</font><font style="font-size: 8pt">&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>-</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>-</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>-</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">Model updates</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>0.8</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>-</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>-</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>0.8</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">Acquisitions and disposals</font></td>
    <td 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; 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; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td></tr>
  <tr>
    <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; color: #5a287d"><b>At 31 March 2025</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>149.0</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>7.3</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>6.7</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>24.0</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>187.0</b></font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 3%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 97%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt Times New Roman, Times, Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Operational risk annual recalculation is performed at Q1 based on the previous three years audited income.</font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="width: 45%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; background-color: #F2EAF9">&nbsp;</td>
    <td style="white-space: nowrap; width: 11%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Total</b></font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Retail</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Private</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Commercial &amp;</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Central items</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>NatWest</b></font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Banking</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Banking</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Institutional</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&amp; other</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Group</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total RWAs</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td></tr>
  <tr>
    <td style="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 2024</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>65.5</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>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>104.7</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>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>183.2</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>(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></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>0.6</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>0.3</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>2.5</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>(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>3.0</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><font style="font-size: 8pt">&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>0.3</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>(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>0.2</b></font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Methodology changes</font><font style="font-size: 8pt">&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>-</b></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="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>0.4</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>-</b></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>-</b></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">Acquisitions and disposals</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-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>At 31 March 2025</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>66.8</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>11.3</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>107.3</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>1.6</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>187.0</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; 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>57.7</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>9.7</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>80.2</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>1.4</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>149.0</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; 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>0.3</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>7.0</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>7.3</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; 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>6.6</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>6.7</b></font></td></tr>
  <tr>
    <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="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>8.7</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>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>13.5</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>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>24.0</b></font></td></tr>
  <tr>
    <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; 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>66.8</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>11.3</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>107.3</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>1.6</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>187.0</b></font></td></tr>
  </table>
<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Total RWAs increased by &pound;3.8 billion to &pound;187.0 billion
during the period mainly reflecting:</p>

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

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></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;0.2 billion due to sterling appreciation versus the US dollar and depreciation versus the euro.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An increase in business movements of &pound;3.0 billion
was primarily driven by the annual recalculation of operational risk and an increase in market risk and counterparty credit risk. Increases
in credit risk from lending growth were partially offset by reductions due to active RWA management.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An increase in risk parameters of &pound;0.2 billion primarily
driven by movements in risk metrics within Retail Banking and Commercial &amp; Institutional.</font></td></tr></table>

<table cellpadding="0" cellspacing="0" width="100%" style="font: 11pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 14.2pt"><font style="font-family: Symbol; font-size: 10pt">-</font></td><td><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An increase in model updates of &pound;0.8 billion driven
by CRD IV model updates within Retail Banking and Commercial &amp; Institutional.</font></td></tr></table>

<p style="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<p style="margin-top: 0; margin-bottom: 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="margin-top: 0; margin-bottom: 0">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Risk and capital management continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">Capital, liquidity and funding risk continued</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&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; color: #5a287d"><font style="font-size: 5pt">&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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="3" style="padding-top: 1pt; 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>31
    March 2025</b></font></td>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="3" style="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: center; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December 2024</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; width: 51%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></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>NatWest</b></font></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>NWH</b></font></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>UK
    Dol</b></font></td>
    <td style="padding-top: 1pt; width: 1%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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">NatWest</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">NWH</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">UK
    Dol</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>Group
    (1)</b></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: 6pt; color: #5a287d"><b>Group
    (2)</b></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: 6pt; color: #5a287d"><b>Sub</b></font></td>
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&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">Group
    (1)</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">Group
    (2)</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">Sub</font></td></tr>
  <tr>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>&pound;m</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: 6pt; color: #5a287d"><b>&pound;m</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: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt">&pound;m</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: 6pt">&pound;m</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: 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</font><font style="font-size: 8pt">&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>95,121</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>63,979</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>63,308</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">88,617</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">58,313</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">57,523</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</font><font style="font-size: 8pt">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal">(3)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>55,545</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>40,551</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>40,551</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">58,818</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">43,275</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">43,275</font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Extremely high quality covered bonds</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>4,341</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>4,340</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>4,340</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,341</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">4,340</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">4,340</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>LCR level 1 Eligible Assets</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>155,007</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>108,870</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>108,199</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">151,776</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">105,928</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">105,138</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>LCR level 2 Eligible Assets</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">(4)</font></b></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>8,084</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>6,738</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>6,738</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9,271</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">7,957</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">7,957</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>Primary liquidity (HQLA)</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b><b><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">(5)</font></b></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>163,091</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>115,608</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>114,937</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">161,047</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">113,885</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">113,095</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>Secondary liquidity</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>59,021</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>58,991</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>58,991</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61,230</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">61,200</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">61,200</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total liquidity value</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>222,112</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>174,599</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>173,928</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">222,277</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">175,085</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">174,295</font></td></tr>
  </table>
<p style="font: 6pt RN House Sans Light; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 3%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="width: 97%; padding-right: 5.4pt; padding-left: 5.4pt; font: 12pt RN House Sans Light"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest
    Group includes the UK Domestic Liquidity Sub-Group (NWB Plc, RBS plc and Coutts &amp; Co), NatWest Markets Plc and other significant
    operating subsidiaries that hold liquidity portfolios. These include The Royal Bank of Scotland International Limited and NWM N.V.
    who hold managed portfolios that comply with local regulations that may differ from PRA rules. </font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</font></td>
    <td style="font: 12pt RN House Sans Light; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">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. </font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(3)</font></td>
    <td style="font: 12pt RN House Sans Light; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Multilateral
    development bank abbreviated to MDB, public sector entities abbreviated to PSE and government sponsored entities abbreviated to GSE.
    </font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</font></td>
    <td style="font: 12pt RN House Sans Light; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Includes
    Level 2A and Level 2B. </font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(5)</font></td>
    <td style="font: 12pt RN House Sans Light; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">High-quality
    liquid assets abbreviated to HQLA. </font></td></tr>
  </table>
<p style="font: 6pt RN House Sans Light; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 6pt RN House Sans Light; margin: 0pt 0"><font style="font-size: 10pt"></font></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: 6pt RN House Sans Light; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="color: #5a287d; font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0"><a name="a_015"></a>Condensed consolidated income statement</p>

<p style="color: #5a287d; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">for the period ended 31 March 2025 (unaudited)</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom; background-color: white">
    <td style="padding-top: 1pt; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td colspan="3" style="padding-top: 1pt; 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: 70%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; border-top: 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>31
    March</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31
    December</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31
    March</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>2025</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; color: black">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; color: black">2024</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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: 6pt; color: #5a287d"><b>&pound;m</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></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: 6pt; color: black">&pound;m</font><font style="font-size: 6pt; color: black">&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; color: black">&pound;m</font><font style="font-size: 6pt; color: black">&nbsp;</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Interest receivable</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6,315</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,453</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; color: black">6,055</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Interest payable</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(3,289)</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3,485)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(3,404)</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Net interest income</b></font></td>
    <td style="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,026</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; color: black">2,968</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; color: black">2,651</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Fees and commissions receivable</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>802</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">797</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">770</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Fees and commissions payable</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(189)</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(179)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(177)</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Trading income</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>284</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">218</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">129</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other operating income</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>57</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">102</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Non-interest income</b></font></td>
    <td style="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>954</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; color: black">857</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; color: black">824</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; color: #5a287d"><b>Total income</b></font></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,980</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; color: black">3,825</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,475</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Staff costs</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,069)</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(949)</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; color: black">(1,062)</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Premises and equipment</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(294)</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(348)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(293)</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other administrative expenses</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(350)</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(666)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(424)</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Depreciation and amortisation</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(266)</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(304)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(273)</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating expenses</b></font></td>
    <td style="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>(1,979)</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; color: black">(2,267)</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; color: black">(2,052)</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Profit before impairment losses</b></font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,001</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; color: black">1,558</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,423</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Impairment losses</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(189)</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; color: black">(66)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(93)</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Operating profit before tax</b></font></td>
    <td style="vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,812</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,492</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,330</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; color: black">Tax charge</font><font style="font-size: 8pt; color: black">&nbsp;</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(471)</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(233)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(339)</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Profit from continuing operations</b></font></td>
    <td style="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>1,341</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; color: black">1,259</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; color: black">991</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Profit/(loss) from discontinued operations, net of tax</b></font><b><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; color: #5a287d">&nbsp;</font></b></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">69</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(4)</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Profit for the period</b></font></td>
    <td style="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>1,341</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; color: black">1,328</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; color: black">987</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td colspan="2" style="background-color: white">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Attributable to:</b></font></td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td colspan="2" style="background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Ordinary shareholders</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,252</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,248</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">918</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Paid-in equity holders</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>90</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">81</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">60</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; color: black">Non-controlling interests</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1)</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; color: black">(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; color: black">9</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</td>
    <td style="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>1,341</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; color: black">1,328</font></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">987</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: #F2EAF9">&nbsp;</td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; 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"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Earnings per ordinary share - continuing operations</font></td>
    <td style="vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>15.5p</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.5p</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; color: black">10.5p</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; color: black">Earnings per ordinary share - discontinued operations</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.8p</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</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; color: black">Total earnings per share attributable to ordinary shareholders - basic</font><font style="font-size: 8pt; color: black">&nbsp;</font></td>
    <td style="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>15.5p</b></font></td>
    <td style="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">15.3p</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; color: black">10.5p</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Earnings per ordinary share - fully diluted continuing operations</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>15.4p</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.4p</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">10.4p</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; color: black">Earnings per ordinary share - fully diluted discontinued operations</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">0.8p</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</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; color: black">Total earnings per share attributable to ordinary shareholders - fully diluted</font></td>
    <td style="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>15.4p</b></font></td>
    <td style="vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">15.2p</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">10.4p</font></td></tr>
  </table>
<p style="font: 8pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 8pt Calibri, 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="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->32<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 8pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_016"></a>Condensed consolidated statement of comprehensive income</p>

<p style="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">for the period ended 31 March 2025 (unaudited)</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom; background-color: white">
    <td style="white-space: nowrap">&nbsp;</td>
    <td style="white-space: nowrap">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; width: 69%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 1%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; border-top: 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>31
    March</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31
    December</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 10%; border-top: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31
    March</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>2025</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; color: black">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; color: black">2024</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>&pound;m</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; color: black">&pound;m</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; color: black">&pound;m</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; color: #5a287d"><b>Profit
    for the period</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><font style="font-size: 8pt">&nbsp;</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>1,341</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; color: black">1,328</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; color: black">987</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>Items
    that will not be reclassified subsequently to profit or loss:</b></font></td>
    <td style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td colspan="2" style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</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: black">Remeasurement
    of retirement benefit schemes</font><font style="font-size: 8pt; color: black">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>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; color: black">(74)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(36)</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: black">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="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&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>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; color: black">(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; color: black">(23)</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: black">FVOCI
    financial assets</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>14</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; color: black">(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; color: black">(13)</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: black">Tax</font><font style="font-size: 8pt; color: black">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>2</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; color: black">20</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; color: black">31</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-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><font style="font-size: 8pt">&nbsp;</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>26</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; color: black">(72)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(41)</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>Items
    that will be reclassified subsequently to profit or loss when specific conditions are met:</b></font></td>
    <td style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td colspan="2" style="white-space: nowrap; border-top: black 1pt solid; background-color: white"><font style="font-size: 8pt">&nbsp;</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: black">FVOCI
    financial assets</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>34</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; color: black">(46)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">45</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: black">Cash
    flow hedges </font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">(1)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>183</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; color: black">(110)</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(66)</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: black">Currency
    translation</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>(30)</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; color: black">124</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(25)</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: black">Tax</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>(62)</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; color: black">43</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; color: black">3</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-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><font style="font-size: 8pt">&nbsp;</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>125</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; color: black">11</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(43)</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>Other
    comprehensive income/(loss) after tax</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&nbsp;</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>151</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; color: black">(61)</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; color: black">(84)</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; color: #5a287d"><b>Total
    comprehensive income for the period</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><font style="font-size: 8pt">&nbsp;</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>1,492</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; color: black">1,267</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">903</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td colspan="2" style="white-space: nowrap; border-top: black 1pt solid; background-color: white"><font style="font-size: 8pt">&nbsp;</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>Attributable
    to:</b></font></td>
    <td style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td colspan="2" style="white-space: nowrap; background-color: white"><font style="font-size: 8pt">&nbsp;</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: black">Ordinary
    shareholders</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>1,403</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; color: black">1,187</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">834</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: black">Paid-in
    equity holders</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>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; color: black">81</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">60</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: black">Non-controlling
    interests</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white"><font style="font-size: 8pt">&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>(1)</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; color: black">(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; color: black">9</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-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><font style="font-size: 8pt">&nbsp;</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>1,492</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; color: black">1,267</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; color: black">903</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 2%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 5.5pt">(1)</font></td>
    <td style="width: 98%; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer to footnote 2 and 3 of the consolidated statement of changes in equity.</font></td></tr>
  </table>
<p style="font: 6pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>


<!-- Field: Page; Sequence: 33; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->33<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->


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

<p style="font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_017"></a>Condensed consolidated balance sheet</p>

<p style="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">as at 31 March 2025 (unaudited)</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&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: 76%">&nbsp;</td>
    <td style="white-space: nowrap; width: 12%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; width: 12%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</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; color: black">2024</font></td></tr>
  <tr style="vertical-align: bottom">
    <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: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font><font style="font-size: 6pt; color: black">&nbsp;</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Assets</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: white">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Cash and balances at central banks</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>99,045</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">92,994</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Trading 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>53,294</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">48,917</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Derivatives</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>62,853</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">78,406</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Settlement balances</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>9,261</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,085</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loans to banks - 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>6,894</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,030</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>398,806</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">400,326</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other financial 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>63,928</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">63,243</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Intangible 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>7,537</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">7,588</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other 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>8,414</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">8,396</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total assets</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>710,032</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; color: black">707,985</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 7pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 7pt">&nbsp;</font></td>
    <td style="vertical-align: bottom; background-color: white"><font style="font-size: 7pt">&nbsp;</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Liabilities</b></font></td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Bank 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>34,120</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">31,452</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>434,617</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">433,490</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Settlement balances</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>9,257</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,729</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Trading liabilities</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>57,489</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">54,714</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Derivatives</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>56,386</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">72,082</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other financial liabilities</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>61,905</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">61,087</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Subordinated liabilities</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>7,004</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">6,136</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Notes in circulation</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,215</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,316</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; color: black">Other liabilities</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>4,432</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">4,601</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; color: #5a287d"><b>Total liabilities</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>668,425</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; color: black">668,607</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-size: 7pt">&nbsp;</font></td>
    <td style="background-color: #F2EAF9"><font style="font-size: 7pt">&nbsp;</font></td>
    <td style="vertical-align: bottom; background-color: white"><font style="font-size: 7pt">&nbsp;</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; color: #5a287d"><b>Equity</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Ordinary shareholders' interests</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>35,562</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; color: black">34,070</font></td></tr>
  <tr>
    <td style="white-space: nowrap"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other owners' interests</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6,029</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; color: black">5,280</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Owners' equity</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>41,591</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">39,350</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; color: black">Non-controlling interests</font></td>
    <td style="border-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: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">28</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; color: #5a287d"><b>Total equity</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>41,607</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; color: black">39,378</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total liabilities and equity</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>710,032</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; color: black">707,985</font></td></tr>
  </table>
<p style="font: 8.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5e10b1">&nbsp;</p>

<p style="font: 8.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5e10b1"></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: 8.5pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5e10b1">&nbsp;</p>




<p style="font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_018"></a>Condensed consolidated statement of changes in equity</p>

<p style="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">for the period ended 31 March 2025 (unaudited)</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>Share</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>Other</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></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"><font style="font-size: 6pt">&nbsp;</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; width: 31%; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</font></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: 6%; 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: 6%; 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: 6%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Fair</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>Cash
    flow</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>Foreign</b></font></td>
    <td style="padding-top: 1pt; white-space: nowrap; width: 6%; background-color: #F2EAF9; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>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: 6%; 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><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td></tr>
  <tr style="vertical-align: bottom">
    <td style="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><font style="font-size: 6pt">&nbsp;</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>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
    (1)</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>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
    (2,3)</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>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: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&nbsp;</b></font><b><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d">interests</font></b></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"><font style="font-size: 6pt">&nbsp;</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>
    <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="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>At
    1 January 2025</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>10,133</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>5,280</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>2,350</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>11,426</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>(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>(1,443)</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>826</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>10,881</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>39,350</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>28</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>39,378</b></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: black">Profit
    attributable to ordinary shareholders</font></td>
    <td colspan="11" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">and other equity owners</font></td>
    <td colspan="3" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>1,342</b></font></td>
    <td colspan="4" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>1,342</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,341</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td colspan="11" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>Other
    comprehensive income</b></font></td>
    <td colspan="11" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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: black">Realised
    gains in period on FVOCI equity shares</font></td>
    <td colspan="3" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(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>2</b></font></td>
    <td colspan="3" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>-</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>-</b></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: black">Remeasurement
    of retirement benefit schemes</font></td>
    <td colspan="3" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>6</b></font></td>
    <td colspan="4" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>6</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>6</b></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: black">Changes
    in fair value of credit in financial liabilities</font></td>
    <td colspan="11" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font>
    <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">designated at FVTPL due to own credit risk</font></td>
    <td colspan="3" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>4</b></font></td>
    <td colspan="4" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>4</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>4</b></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: black">Unrealised
    gains</font></td>
    <td colspan="4" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>56</b></font></td>
    <td colspan="3" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>56</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>56</b></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: black">Amounts
    recognised in equity</font></td>
    <td colspan="5" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(112)</b></font></td>
    <td colspan="2" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(112)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(112)</b></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: black">Retranslation
    of net assets</font></td>
    <td colspan="6" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(24)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(24)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(24)</b></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: black">Losses
    on hedges of net assets</font></td>
    <td colspan="6" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(6)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(6)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(6)</b></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: black">Amount
    transferred from equity to earnings</font></td>
    <td colspan="4" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(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>295</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"><font style="font-size: 8pt">&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>287</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>287</b></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: black">Tax</font></td>
    <td colspan="3" style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(1)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(8)</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>(54)</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</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(60)</b></font></td>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(60)</b></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>Total
    comprehensive income/(loss)</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; 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>-</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>1,349</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>42</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>129</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>(27)</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; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,493</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)</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>1,492</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td colspan="11" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</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>Transactions
    with owners</b></font></td>
    <td colspan="11" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td></tr>
  <tr>
    <td style="vertical-align: bottom; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Paid-in
    equity dividends paid</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(90)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(90)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(90)</b></font></td></tr>
  <tr>
    <td style="vertical-align: bottom; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Securities
    issued in the period</font><font style="font-size: 8pt; color: black">&nbsp;<font style="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">(4)</font></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>749</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>749</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>749</b></font></td></tr>
  <tr>
    <td style="vertical-align: bottom; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Purchase
    of non-controlling interest</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(10)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(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>(11)</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)</b></font></td></tr>
  <tr>
    <td style="vertical-align: bottom; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Employee
    share schemes</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(9)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(9)</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>(9)</b></font></td></tr>
  <tr>
    <td style="vertical-align: bottom; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Shares
    vested under employee share schemes</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>64</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>30</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>94</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>94</b></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: black">Share-based
    renumeration</font></td>
    <td colspan="3" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>14</b></font></td>
    <td colspan="4" style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>14</b></font></td>
    <td style="white-space: nowrap; background-color: #F2EAF9"><font style="font-size: 8pt">&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>14</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <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
    31 March 2025</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>10,133</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>6,029</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>2,414</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>12,710</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>(61)</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>(1,314)</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>799</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>10,881</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>41,591</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>16</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>41,607</b></font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="text-align: center; width: 2%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 5.5pt">(1)</font></td>
    <td style="width: 98%; padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Other statutory reserves consist of Capital redemption reserves of &pound;3,218 million and Own shares held reserves of (&pound;804) million.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 5.5pt">(2)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The change in the cash flow hedging reserve is driven by realised accrued interest transferred into the income statement and an increase in swap rates in the longer tenors in the year, where the portfolio of swaps are net receive fixed from an interest rate risk perspective. </font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 5.5pt">(3)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The amount transferred from equity to the income statement is mostly recorded within net interest income mainly within loans to banks and customers &ndash; amortised cost, balances at central banks, bank deposits and customer deposits.</font></td></tr>
  <tr style="vertical-align: top">
    <td style="text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 5.5pt">(4)</font></td>
    <td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The issuance above is after netting of issuance fees of &pound;1.6 million, and the associated tax credit of &pound;0.4 million.</font></td></tr>
  </table>
<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt"></font></p>

<!-- Field: Page; Sequence: 35; 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: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></p>

<p style="color: #5a287d; font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">Notes</p>

<p style="color: #5a287d; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</p>

<div style="float: left; width: 49%">

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_019"></a>1. Presentation of condensed consolidated financial
statements</p>

<p style="font: 12pt  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">The condensed consolidated financial statements should be read in conjunction
with NatWest Group plc&rsquo;s 2024 Annual Report on Form 20-F. The accounting policies are the same as those applied in the consolidated
financial statements.</p>

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

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_020"></a>2. Litigation</p>

<p style="font: 12pt  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">NatWest Group plc&rsquo;s 2024 Annual Report on Form 20-F, issued on
21 February 2025, included disclosures about NatWest Group's litigation and regulatory matters in Note 25. Set out below are the material
developments in those matters (all of which have been previously disclosed) since publication of the 2024 Annual Report on Form 20-F.</p>

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

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><b>FX litigation</b></p>

<p style="font: 10pt  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">NWM Plc, NWMSI and/or NatWest Group plc are defendants in several cases
relating to NWM Plc&rsquo;s foreign exchange (FX) business. In May 2025, NWM Plc executed an agreement to settle the claim in the Federal
Court of Australia, subject to court approval of that settlement. The settlement amount is covered in full by an existing provision.</p>

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

</div>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<div style="float: right; width: 49%">

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><a name="a_021"></a>3. Post balance sheet events</p>

<p style="font: 12pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d"><font style="font-size: 5pt">&nbsp;</font></p>

<p style="font: 9pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-family: RN House Sans Light,sans-serif">On 20 June
2024 NatWest Group announced it had entered into an agreement with Sainsbury's Bank plc (Sainsbury's Bank) to acquire the retail banking
assets and liabilities of Sainsbury's Bank which comprised its outstanding credit card, unsecured personal loan and saving accounts. The
acquisition completed on 1 May 2025.</font>&nbsp;</p>

<p style="font: 9pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">NatWest Group acquired approximately &pound;2.5 billion of gross
customer assets, comprising &pound;1.4 billion of unsecured personal loans and &pound;1.1 billion of credit card balances, together
with approximately &pound;2.7 billion of customer deposits.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The transaction adds around one million customer accounts and results
in a day 1 ECL charge of c.&pound;0.1 billion, increases RWAs by c.&pound;1.8 billion and decreases the CET1 ratio by 16 basis points.</p>

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Other than as disclosed in this document, there have been no significant
events between 31 March 2025 and the date of approval of this announcement that would require a change to, or additional disclosure, in
the announcement.</p>

</div>

<div style="clear: both; width: 100%">

<p style="font: 9pt 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: 9pt 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: 5pt 0 0pt; color: #5a287d"><b><a name="a_022"></a>Other financial data</b></p>

<p style="font: 10pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table shows NatWest Group&rsquo;s issued and fully
paid share capital, owners&rsquo; equity and indebtedness on a consolidated basis in accordance with IFRS as at 31 March 2025.</p>

<p style="font: bold 9pt 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%; font: 10pt Arial Bold">&nbsp;</td>
    <td style="padding-top: 5pt; width: 17%; background-color: #F2E8F9">
    <p style="font: bold 8pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5a287d"><b>As at<br>
    31 March</b></p>
    <p style="font: bold 8pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: #5a287d"><b>2025</b></p></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold; 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="font: 10pt Arial Bold"><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="font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Ordinary shares of &pound;1.0769</font></td>
    <td style="font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>8,972</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Retained income and other reserves</font></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>32,619</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Owners&rsquo; equity</font></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>41,591</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="font: 10pt Arial Bold">&nbsp;</td>
    <td style="font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt; color: #5a287d"><b>NatWest Group indebtedness</b></font></td>
    <td style="font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right">&nbsp;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Trading liabilities - debt securities in issue</font></td>
    <td style="font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>259</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Other financial liabilities &ndash; debt securities in issue</font></td>
    <td style="font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>59,873</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Subordinated liabilities</font></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>7,004</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Total indebtedness</font></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>67,136</b></font></td></tr>
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8.5pt">Total capitalisation and indebtedness</font></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Arial Bold; background-color: #F2E8F9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>108,727</b></font></td></tr>
  </table>
<p style="font: bold 8pt 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: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The information contained in the table above has not changed materially
since 31 March 2025.</p>

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

<p style="font: bold 9pt 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: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-weight: normal">&nbsp;</font></p>




<p style="color: #5a287d; font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0"><a name="a_023"></a>Non-IFRS financial measures</p>

<p style="color: #5a287d; font: 16pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></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, or 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: 9pt 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: 9pt 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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top; background-color: #5A287D">
    <td style="border-top: Black 1pt solid; padding: 3pt 5.4pt; width: 35%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Measure</font></td>
    <td style="border-top: Black 1pt solid; padding: 3pt 5.4pt; width: 65%; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><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; 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">&nbsp;</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 40.</p></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><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; 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">&nbsp;</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Segment performance on pages 14-16 for components of calculation.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="padding: 3pt 5.4pt; border-bottom: Black 1pt solid">
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-family: RN House Sans Light,sans-serif">Customer deposits
    excluding central items is calculated as total NatWest Group customer deposits excluding Central items &amp; other customer deposits.
    Central items &amp; other includes Treasury repo activity.</font><font style="font-family: Calibri, Helvetica, Sans-Serif">&nbsp;</font><font style="font-family: RN House Sans Light,sans-serif">The
    exclusion of Central items &amp; other removes the volatility relating to Treasury repo activity.</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><font style="font-family: Arial, Helvetica, Sans-Serif; 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-family: Calibri, Helvetica, Sans-Serif">&nbsp;</font></p></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 3pt 5.4pt; 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"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Condensed consolidated balance sheet on page 34 for components
    of calculation.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></p></td>
    <td style="padding: 3pt 5.4pt; border-bottom: Black 1pt solid; font: 12pt Times New Roman, Times, Serif"><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><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 4pt; color: white">.&nbsp;&nbsp;</font><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 7pt; color: white">RBS\Finance\0000012\Secret</font></td></tr>
  <tr style="vertical-align: top; background-color: #F2EAF9">
    <td style="padding: 3pt 5.4pt; 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"><font style="font-size: 5pt">&nbsp;</font></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 41.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="padding: 3pt 5.4pt; 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="font: 9pt 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">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, 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; 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"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 7. NatWest Group return on tangible equity on page 42.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt; font: 8.5pt Arial, Helvetica, Sans-Serif"><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, calculated as profit attributable to ordinary shareholders divided by average total equity.</font></td></tr>
  </table>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>&nbsp;</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0"><b></b></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; color: #5a287d"><b>&nbsp;</b></p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Non-IFRS financial measures continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top; background-color: #5A287D">
    <td style="padding: 3pt 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 35%; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Measure</font></td>
    <td style="padding: 3pt 5.4pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 65%"><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; 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"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Segment performance on pages 14-16 for components of calculation.</p></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><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; 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"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to Segment performance on pages 14-16 for components of calculation.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="padding: 3pt 5.4pt; 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 &amp; other net loans to customers. Central items &amp; other includes Treasury
    reverse repo activity. The exclusion of Central items &amp; other removes the volatility relating to Treasury reverse repo activity.</p>
    <p style="font: 9pt 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">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; 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"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 4. Operating expenses excluding litigation and conduct
on page 41.</p></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><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; 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"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 8. Segmental return on equity on page 42.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Segmental return on equity comprises segmental operating profit or loss, adjusted for paid-in equity and tax, divided by average notional equity. Average RWAe is defined as average segmental RWAs incorporating the effect of capital deductions. This is multiplied by an allocated equity factor for each segment to calculate the average notional equity. 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; 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"><font style="font-size: 5pt">&nbsp;</font></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 40.</p></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><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 calculated as 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>Total combined assets and liabilities (CAL) - Private Banking</b></p>
    <p style="font: 9pt 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">Refer to table 6. Total combined assets and liabilities (CAL) -
Private Banking on page 41.</p></td>
    <td style="padding: 3pt 5.4pt; border-bottom: Black 1pt solid">
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CAL refers to customer deposits, net loans to customers and AUMA. To
    avoid double counting, investment cash is deducted as it is reported within customer deposits and AUMA.</p>
    <p style="font: 9pt 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">The components of CAL are key drivers of income and provide a measure
of growth and strength of the business on a comparable basis.</p></td></tr>
  <tr style="vertical-align: top; background-color: #F2EAF9">
    <td style="padding: 3pt 5.4pt; 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"><font style="font-size: 5pt">&nbsp;</font></p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Refer to table 1. Total income excluding notable items on page 40.</p></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt"><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: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></p>

<!-- Field: Page; Sequence: 39; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->39<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Non-IFRS financial measures continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td colspan="3" style="border-bottom: black 1pt solid; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</td>
    <td style="width: 11%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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; color: black">&pound;m</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Continuing operations</b></font></td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Total income</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,980</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,825</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,475</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Less notable items</font></td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Commercial &amp; Institutional</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</font></b></td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Own credit adjustments (OCA)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>6</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(4)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(5)</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 &amp; other</b></font></td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td>
    <td style="background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Share of associate profits/(losses) for Business Growth Fund</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>15</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(1)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">7</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Interest and foreign exchange risk management derivatives not</font><font style="font-size: 8pt; color: black">&nbsp;<font style="font-family: RN House Sans Light,sans-serif">in hedge accounting relationships</font>&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>7</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">19</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">59</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Foreign exchange recycling losses</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(30)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">-</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt; color: black">&nbsp;&nbsp;</font> <font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Tax interest on prior periods</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>-</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(31)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #42145f">-</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>28</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; color: black">(47)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">61</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Total income excluding notable items</b></font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>3,952</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; color: black">3,872</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,414</font></td></tr>
  </table>
<p style="color: #5e10b1; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>2. Cost:income ratio (excl. litigation and conduct)</b></p>

<p style="color: #5a287d; 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">&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="white-space: nowrap; width: 67%; background-color: white">&nbsp;</td>
    <td style="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>31 March</b></font></td>
    <td style="vertical-align: bottom; width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="vertical-align: bottom; width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; background-color: white">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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; color: #5a287d"><b>Continuing operations</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: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>1,979</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,267</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,052</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: black">Less 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>(44)</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; color: black">(153)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(24)</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: black">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>1,935</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; color: black">2,114</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,028</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="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: black">Total income</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>3,980</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; color: black">3,825</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; color: black">3,475</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; color: #5a287d"><b>Cost:income ratio</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp;</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>49.7%</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">59.3%</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">59.1%</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; color: #5a287d"><b>Cost:income ratio (excl. 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>48.6%</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; color: black">55.3%</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; color: black">58.4%</font></td></tr>
  </table>
<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>&nbsp;</b></p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>3. Tangible net asset value (TNAV) per ordinary share</b></p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="background-color: white">
    <td style="white-space: nowrap; vertical-align: bottom">&nbsp;</td>
    <td colspan="3" style="border-bottom: black 1pt solid; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended or as at</b></font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; width: 67%; background-color: white">&nbsp;</td>
    <td style="width: 11%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="white-space: nowrap; border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Ordinary shareholders&rsquo; interests (&pound;m)</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>35,562</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; border-top: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">34,070</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; color: black">33,958</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: black">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>(7,537)</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; color: black">(7,588)</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; color: black">(7,598)</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: black">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>28,025</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; color: black">26,482</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; color: black">26,360</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Ordinary shares in issue (millions)</font><font style="font-size: 8pt; color: black">&nbsp;</font><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; font-style: normal; font-weight: normal; color: black">(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>8,067</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; color: black">8,043</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">8,727</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="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>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>441p</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; color: black">424p</font></td>
    <td style="white-space: nowrap; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">389p</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>TNAV per ordinary share (pence)</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>347p</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; color: black">329p</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; color: black">302p</font></td></tr>
  </table>
<p style="font: 6pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="font: 12pt Times New Roman, Times, Serif; text-align: center; width: 3%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</font></td>
    <td style="padding-left: 5.4pt; width: 97%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">The number of ordinary shares in issue excludes own shares held.</font></td></tr>
  </table>
<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

<!-- Field: Page; Sequence: 40; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->40<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0">Non-IFRS financial measures continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>4. Operating expenses excluding litigation and conduct</b></p>

<p style="color: #5a287d; 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="width: 67%; background-color: white">&nbsp;</td>
    <td style="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>31 March</b></font></td>
    <td style="vertical-align: bottom; width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="vertical-align: bottom; width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="border-bottom: black 1pt solid; background-color: white">&nbsp;</td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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="vertical-align: bottom; background-color: #F2EAF9">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Staff expenses</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>1,055</b></font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">938</font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,047</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Premises and equipment</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>294</b></font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">348</font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">293</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Other administrative expenses</font></td>
    <td style="vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>320</b></font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">524</font></td>
    <td style="vertical-align: bottom; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">415</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: black">Depreciation and amortisation</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>266</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">304</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">273</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: black">Total other operating expenses</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>1,935</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; color: black">2,114</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; color: black">2,028</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td colspan="2" style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>Litigation and conduct costs</b></font></td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>14</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">15</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>30</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">142</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9</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: black">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>44</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; color: black">153</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; color: black">24</font></td></tr>
  <tr>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td style="background-color: #F2EAF9">&nbsp;</td>
    <td colspan="2" style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>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>1,979</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,267</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,052</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 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>1,935</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; color: black">2,114</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,028</font></td></tr>
  </table>
<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>&nbsp;</b></p>

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

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; vertical-align: bottom; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>As at</b></font></td></tr>
  <tr>
    <td style="width: 67%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="background-color: white; text-align: right">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;m</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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; color: black">Loans to customers - amortised cost</font><font style="font-size: 8pt; color: black">&nbsp;</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>398,806</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; color: black">400,326</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; color: black">378,010</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: black">Less reverse repos</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(30,258)</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; color: black">(34,846)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(23,120)</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</b></font><b><font style="font-size: 8pt; color: #5a287d">&nbsp; <font style="font-family: RN House Sans Light,sans-serif">- amortised cost (excl. reverse repos)</font></font></b></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>368,548</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; color: black">365,480</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">354,890</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Customer deposits</font><font style="font-size: 8pt; color: black">&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>434,617</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">433,490</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">432,793</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: black">Less repos</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1,070)</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; color: black">(1,363)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(11,437)</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="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>433,547</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; color: black">432,127</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">421,356</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Loan:deposit ratio (%)</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: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">92%</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">87%</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: black">Loan:deposit ratio (excl. repos and reverse repos) (%)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>85%</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; color: black">85%</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">84%</font></td></tr>
  </table>
<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>&nbsp;</b></p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>6. Total combined assets and liabilities (CAL) - Private
Banking</b></p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; vertical-align: bottom; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>As at</b></font></td></tr>
  <tr>
    <td style="width: 67%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 11%; border-top: black 1pt solid; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="background-color: white; text-align: right">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>&pound;bn</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;bn</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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; color: black">Net loans to customers (amortised cost)</font></td>
    <td style="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>18.4</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; color: black">18.2</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; color: black">18.2</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">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>41.2</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">42.4</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">37.8</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Assets under management and administration (AUMA)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>48.5</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">48.9</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">43.1</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; color: black">Less investment cash included in both customer deposits and AUMA</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(1.2)</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; color: black">(1.1)</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; color: black">(1.2)</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 combined assets and liabilities (CAL)</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>106.9</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; color: black">108.4</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">97.9</font></td></tr>
  </table>
<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

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

<!-- Field: Page; Sequence: 41; Value: 2 -->
    <div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><b>NatWest Group</b> - Form 6-K Q1 2025 Results</font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->41<!-- Field: /Sequence --></font></td><td style="font: 8pt Arial, Helvetica, Sans-Serif; width: 33%"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</font></td></tr></table></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&nbsp;</p></div>
    <!-- Field: /Page -->

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #5a287d">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; color: #5a287d; margin: 0pt 0">Non-IFRS financial measures continued</p>

<p style="color: #5a287d; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>7. NatWest Group return on tangible equity</b></p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="background-color: white">
    <td>&nbsp;</td>
    <td colspan="3" style="border-bottom: black 1pt solid; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended or as at</b></font></td></tr>
  <tr>
    <td style="width: 67%; background-color: white">&nbsp;</td>
    <td style="width: 11%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>31 March</b></font></td>
    <td style="width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 December</font></td>
    <td style="width: 11%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">31 March</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>2025</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">2024</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: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&pound;m</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">&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; color: black">Profit attributable to ordinary shareholders</font><font style="font-size: 8pt; color: black">&nbsp;</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>1,252</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; color: black">1,248</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; color: black">918</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: black">Annualised profit attributable to ordinary shareholders</font><font style="font-size: 8pt; color: black">&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>5,008</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; color: black">4,992</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">3,672</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; color: black">Average total equity</font><font style="font-size: 8pt; color: black">&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>40,354</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">38,915</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">37,490</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: black">Adjustment for average other owners' equity and intangible assets</font><font style="font-size: 8pt; color: black">&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>(13,228)</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; color: black">(12,703)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(11,684)</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: black">Adjusted total tangible equity</font><font style="font-size: 8pt; color: black">&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>27,126</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; color: black">26,212</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">25,806</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; color: #5a287d"><b>Return on equity</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>12.4%</b></font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">12.8%</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">9.8%</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>Return on tangible equity</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>18.5%</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; color: black">19.0%</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; color: black">14.2%</font></td></tr>
  </table>
<p style="color: #5e10b1; font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>8. Segmental return on equity</b></p>

<p style="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Quarter ended 31 March 2025</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Quarter ended 31 December 2024</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: white">&nbsp;</td>
    <td colspan="3" style="white-space: nowrap; vertical-align: bottom; border-bottom: black 1pt solid; background-color: white; text-align: center"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Quarter ended 31 March 2024</font></td></tr>
  <tr>
    <td style="width: 26%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Retail</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Private</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Commercial &amp;</b></font><b><font style="font-size: 6pt; color: #5a287d">&nbsp;</font></b></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 1%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Retail</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Private</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Commercial &amp;</font><font style="font-size: 6pt; color: black">&nbsp;</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 1%; background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Retail</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Private</font></td>
    <td style="white-space: nowrap; vertical-align: bottom; width: 8%; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: black">Commercial &amp;</font><font style="font-size: 6pt; color: black">&nbsp;</font></td></tr>
  <tr>
    <td style="background-color: white">&nbsp;</td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Banking</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Banking</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><b>Institutional</b></font></td>
    <td style="white-space: nowrap; vertical-align: bottom; background-color: 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; color: black">Banking</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; color: black">Banking</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; color: black">Institutional</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; color: black">Banking</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; color: black">Banking</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; color: black">Institutional</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: black">Operating
    profit (&pound;m)</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>750</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>77</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>1,020</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</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; color: black">677</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; color: black">75</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; color: black">861</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</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; color: black">489</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; color: black">33</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; color: black">769</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Paid-in
    equity cost allocation (&pound;m)</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>(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>(63)</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(23)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(5)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(53)</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(16)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(4)</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(40)</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: black">Adjustment
    for tax (&pound;m)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>(204)</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>(20)</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>(239)</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(183)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(20)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(202)</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(132)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(8)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">(182)</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Adjusted
    attributable profit (&pound;m)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>523</b></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</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>718</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">471</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">50</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">606</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">341</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">547</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Annualised
    adjusted attributable profit (&pound;m)</font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,092</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>212</b></font></td>
    <td style="background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>2,872</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,884</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">202</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,424</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">1,362</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">84</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">2,187</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: black">Average
    RWAe (&pound;bn)</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>66.9</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>11.1</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>106.8</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</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; color: black">65.6</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; color: black">11.0</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; color: black">106.0</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</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; color: black">61.7</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; color: black">11.2</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; color: black">109.0</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: black">Equity
    factor</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>11.1%</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>13.9%</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13.4%</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11.2%</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13.8%</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13.4%</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">11.2%</font></td>
    <td style="background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">13.8%</font></td></tr>
  <tr>
    <td style="background-color: white"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">Average
    notional equity (&pound;bn)</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>8.6</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>1.2</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>14.8</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</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; color: black">8.8</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; color: black">1.2</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; color: black">14.6</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</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; color: black">8.3</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; color: black">1.3</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; color: black">15.0</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: black">Return
    on equity (%)</font></td>
    <td style="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><font style="font-family:  Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><b>24.5%</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>17.1%</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>19.3%</b></font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">21.4%</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.3%</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; color: black">16.6%</font></td>
    <td style="background-color: white"><font style="font-size: 8pt">&nbsp;</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">16.5%</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; color: black">6.7%</font></td>
    <td style="border-bottom: black 1pt solid; background-color: white; text-align: right"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: black">14.6%</font></td></tr>
  </table>

<p style="margin-top: 0; margin-bottom: 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="color: #5a287d; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>&nbsp;</b></p>

<p style="color: #5a287d; font: 16pt  Arial, Helvetica, Sans-Serif; margin: 0pt 0"><a name="a_024"></a>Performance measures not defined under IFRS</p>

<p style="color: #5a287d; font: 16pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-size: 10pt">&nbsp;</font></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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
  <tr style="vertical-align: top; background-color: #5A287D">
    <td style="padding: 3pt 5.4pt; width: 25%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; color: white">Measure</font></td>
    <td style="padding: 3pt 5.4pt; width: 75%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AUMA</font></td>
    <td style="padding: 3pt 5.4pt; border-bottom: Black 1pt solid">
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUMA comprises both assets under management (AUM) and assets under
    administration (AUA) serviced through the Private Banking segment. AUM comprise assets where the investment management is undertaken by
    Private Banking on behalf of Private Banking, Retail Banking and Commercial &amp; Institutional customers.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUA comprise i) third party assets held on an execution-only basis
    in custody by Private Banking, Retail Banking and Commercial &amp; Institutional for their customers, for which the execution services
    are supported by Private Banking ii) AUA of Cushon, acquired on 1 June 2023, which are supported by Private Banking and held and managed
    by third parties.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AUMA income</font></td>
    <td style="padding: 3pt 5.4pt; border-bottom: Black 1pt solid">
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUMA income includes investment income which reflects an ongoing fee
    as percentage of assets and transactional income related to investment services comprised of one-off fees for advice services, trading
    and exchange services, protection and alternative investing services.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">AUMA is a core driver of non-interest income, especially with respect
to ongoing investment income and this measure provides a means of reporting the income earned on AUMA.</p></td></tr>
  <tr style="vertical-align: top; background-color: #F2EAF9">
    <td style="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AUMA net flows</font></td>
    <td style="padding: 3pt 5.4pt; 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.</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>
    <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 &amp; Institutional.</p></td></tr>
  <tr style="vertical-align: top">
    <td style="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Climate and sustainable funding and financing</font></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt; font: normal 9pt Arial, Helvetica, Sans-Serif"><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 July 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 2023 and the end of 2025.</font></td></tr>
  <tr style="vertical-align: top; background-color: #F2EAF9">
    <td style="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan impairment rate</font></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt; font: normal 9pt Arial, Helvetica, Sans-Serif"><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">
    <td style="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Third party rates</font></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt; font: normal 9pt Arial, Helvetica, Sans-Serif"><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: #F2EAF9">
    <td style="padding: 3pt 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 8.5pt Arial, Helvetica, Sans-Serif"><font style="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wholesale funding</font></td>
    <td style="border-bottom: Black 1pt solid; padding: 3pt 5.4pt; font: normal 9pt Arial, Helvetica, Sans-Serif"><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: 9pt 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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>


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<p style="font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</p>

<p style="font: bold 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><b>SIGNATURE</b></p>

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

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

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

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><b>&nbsp;</b></p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><b>&nbsp;</b></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: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</p>

<p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">/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">2 May 2025</p>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</p>

<p style="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></p>

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