<SEC-DOCUMENT>0001104659-25-101995.txt : 20251024
<SEC-HEADER>0001104659-25-101995.hdr.sgml : 20251024
<ACCEPTANCE-DATETIME>20251024073819
ACCESSION NUMBER:		0001104659-25-101995
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20251024
FILED AS OF DATE:		20251024
DATE AS OF CHANGE:		20251024

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:		251414295

	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>tm2529304d1_6k.htm
<DESCRIPTION>FORM 6-K
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Report of Foreign Private Issuer</P>

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

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">24 October&nbsp;2025</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt">&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&nbsp;20-F or Form&nbsp;40-F.</P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">This report on Form&nbsp;6-K, except for any information
contained on any websites linked or documents referred to in this report, shall be deemed incorporated by reference into the company&rsquo;s
Registration Statement on Form&nbsp;F-3 (File No.&nbsp;333-284008) 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 Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 16pt Knile; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Forward-looking
statements </B></FONT></P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify; color: #5a287d"><B>Cautionary statement regarding
forward-looking statements </B></P>

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

<P STYLE="font: 9pt RN House Sans Light,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 financed emissions and initiatives to transition to a net zero economy, such
as our climate and transition financing activities.</P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify; color: #5a287d"><B>Limitations inherent to
forward-looking statements</B></P>

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

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

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

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

<P STYLE="font: 9pt RN House Sans Light,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&nbsp;20-F, NatWest Group&rsquo;s Interim Management Statement for Q1, H1 and Q3 2025 on Form&nbsp;6-K, 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); and changes
in interest rates and foreign currency exchange rates); 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0; color: #5a287d">Forward-looking statements continued</P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; color: #5a287d"><B>Climate and sustainability-related disclosures
</B></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Climate and sustainability-related disclosures in this document are
not measures within the scope of International Financial Reporting Standards (IFRS), use a greater number and level of judgments, assumptions
and estimates, including with respect to the classification of climate and transition 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
(including transition and transition finance) 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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; color: #5a287d"><B>Cautionary statement regarding alternative performance
measures</B></P>

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

<P STYLE="font: 9pt RN House Sans Light,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 a number of non-IFRS measures, or alternative
performance measures, defined under the European Securities and Markets Authority (ESMA) guidance, or non- Generally Accepted Accounting
Principles (GAAP) financial measures in accordance with the SEC regulations (together, APM). 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. 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 APMs included in this document, are not measures within
the scope of IFRS or GAAP, are based on a number of assumptions that are subject to uncertainties and change, and are not a substitute
for IFRS or GAAP measures and a reconciliation to the closest IFRS or GAAP measure is presented where appropriate.</P>

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

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

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

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

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

<P STYLE="font: 16pt Knile; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Introduction</FONT></P>

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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0; color: #5a287d">Presentation of information</P>

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

<P STYLE="font: 9pt RN House Sans Light,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 RBSH N.V. refers to RBS Holdings N.V. The term NWM N.V. Group refers to NatWest Markets N.V. and its subsidiary and associated
undertakings. The term &lsquo;NWMSI&rsquo; refers to NatWest Markets Securities,&nbsp;Inc. The term &lsquo;RBS plc&rsquo; refers to The
Royal Bank of Scotland plc. The term &lsquo;NWB Plc&rsquo; refers to National Westminster Bank Plc. The term RBSI Ltd refers to The Royal
Bank of Scotland International Limited. Effective from Q2 2025, the reportable segment Private Banking was renamed Private Banking&nbsp;&amp;
Wealth Management. This does not change the financial results of Private Banking&nbsp;&amp; Wealth Management or the consolidated financial
results of NatWest Group.</P>

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

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

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

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

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Any information contained on websites linked or reports referenced
in this interim results report for the period ended 30 September&nbsp;2025 on Form&nbsp;6-K is for information only and will not be deemed
to be incorporated by reference herein.</P>

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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0; color: #5a287d">Non-IFRS financial information</P>

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

<P STYLE="font: 9pt RN House Sans Light,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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The non-IFRS measures provide users of the financial statements with
a consistent basis for comparing business performance between financial periods and information on elements of performance that are one-off
in nature. The non-IFRS measures also include a calculation of metrics that are used throughout the banking industry.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">These non-IFRS measures are not a substitute for IFRS measures and
a reconciliation to the closest IFRS measure is presented where appropriate. For details of the basis of preparation and reconciliation
where appropriate refer to appendix &lsquo;Non-IFRS financial measures&rsquo; on page&nbsp;42.</P>

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

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

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

<P STYLE="font: 16pt Knile; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Inside this report</B></FONT></P>

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

<DIV STYLE="float: left; width: 48%">

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="padding: 2pt 5.4pt"><P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Business
                                            performance summary</B></FONT></P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp1_001"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>6</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_001"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Q3
    2025 performance summary</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp1_005"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>7</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_005"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Performance
    key metrics and ratios</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp2_001"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>9</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp2_001"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Chief
    Financial Officer&rsquo;s review</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp2_002"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>10</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp2_002"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Retail
    Banking</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp2_003"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>11</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp2_003"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Private
    Banking&nbsp;&amp; Wealth Management</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp2_004"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>12</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp2_004"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Commercial&nbsp;&amp;
    Institutional</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp1_003"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>13</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_003"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Central
    items&nbsp;&amp; other</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp1_004"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>14</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_004"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Segment
    performance</FONT></A></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 10pt; color: rgb(90,40,125)"><B>Risk
    and capital management</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp4_002"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>19</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><A HREF="#sp4_002">Credit
    risk</A></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp4_003"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>19</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp4_003"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Segment
    analysis &ndash; portfolio summary</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp4_004"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>20</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp4_004"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Segment
    analysis &ndash; loans</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp4_005"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>20</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp4_005"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Movement
    in ECL provision</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp4_006"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>21</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp4_006"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">ECL
    post model adjustments</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp4_007"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>22</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp4_007"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Sector
    analysis &ndash; portfolio summary</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp1_006"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>27</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><A HREF="#sp1_006">Capital,
    liquidity and funding risk</A></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)"><A HREF="#sp1_007"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt"><B>33</B></FONT></A></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><A HREF="#sp1_007">Pension
    risk</A></FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 2pt 5.4pt"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 10pt; color: rgb(90,40,125)"><B>Financial
    statements and notes</B></FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_008">34</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_008"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Condensed
    consolidated income statement</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_009">35</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_009"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Condensed
    consolidated statement of comprehensive income</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_010">36</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_010"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Condensed
    consolidated balance sheet</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_011">37</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_011"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Condensed
    consolidated statement of changes in equity</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_013">39</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_013"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Presentation
    of condensed consolidated financial statements</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_012">39</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_012"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Litigation
    and regulatory matters</FONT></A></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_014">40</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_014"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Post
    balance sheet events</FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 16pt Knile; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-size: 10pt"><B></B></FONT></P>

</DIV>

<P STYLE="font: 16pt Knile; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<DIV STYLE="float: right; width: 48%">

<P STYLE="font: 16pt Knile; margin: 0pt 0; color: #5a287d"><FONT STYLE="font-size: 10pt"><B></B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 10pt; color: rgb(90,40,125)"><B>Additional
    information</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: gray 1pt solid; padding: 2pt 5.4pt; width: 7%; border-left: #5A287D 2.25pt solid"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_016">41</A></B></FONT></TD>
    <TD STYLE="border-bottom: gray 1pt solid; padding: 2pt 5.4pt; width: 93%"><A HREF="#sp1_016"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Other
    financial data</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; padding: 2pt 5.4pt; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_017">42</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><A HREF="#sp1_017"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Non-IFRS
    financial measures</FONT></A></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: #A6A6A6 1pt solid; border-left: #5A287D 2.25pt solid; padding: 2pt 5.4pt; text-align: left"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: rgb(90,40,125)"><B><A HREF="#sp1_018">47</A></B></FONT></TD>
    <TD STYLE="border-bottom: #A6A6A6 1pt solid; padding: 2pt 5.4pt"><P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><A HREF="#sp1_018">Performance
                                            measures not defined under IFRS</A></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0 0pt 8.5pt"></P></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

</DIV>

<DIV STYLE="clear: both; width: 100%">

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

</DIV>

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

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

<!-- Field: Page; Sequence: 5; 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: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 16pt Knile; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="sp1_001"></A><FONT STYLE="color: rgb(90,40,125)">Q3
2025 performance summary</FONT></B></FONT></P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Chief Executive, Paul Thwaite,
commented:</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&ldquo;NatWest Group delivered another strong performance in the third
quarter of 2025, underpinned by healthy levels of customer activity and the continued support we provide to them. This is driving positive
momentum across our three businesses, with continued lending growth and deposits remaining stable.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">With our strategic focus on growth, NatWest Group&rsquo;s impact can
be felt right across the economy, as we help people get on the housing ladder, save and invest for the future and grow their businesses
 &ndash; from innovative start-ups and vital mid-market firms to the largest multinationals responsible for critical infrastructure projects.
We are also becoming a much simpler bank, with tight control of costs supporting our digital transformation that is enabling us to anticipate
and meet the changing needs of customers at pace.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">As a result of our consistent delivery and capital generation, we have
upgraded our income and returns guidance for 2025 and are well placed to support our customers, invest for the future and deliver returns
to our shareholders.&rdquo;</P>

<DIV STYLE="float: left; width: 48%">

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Growth in all of our customer
businesses</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">We have delivered a strong financial performance in the quarter, with
income and lending growth across all of our businesses demonstrating our broad-based support for our customers.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total
                                            income of &pound;4.3 billion for Q3 2025 was up &pound;0.3 billion compared to Q2 2025. Total
                                            income excluding notable items was up &pound;0.2 billion to &pound;4.2 billion in the quarter,
                                            driving an attributable profit of &pound;1.6 billion, a return on equity of 15.3% and a Return
                                            on Tangible Equity (RoTE) of 22.3%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
                                            loans to customers of &pound;415.3 billion increased by &pound;8.2 billion during Q3 2025.
                                            In the third quarter net loans to customers excluding central items were up by &pound;4.4
                                            billion as we met customer needs while deploying capital where returns were attractive. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer
                                            deposits of &pound;435.5 billion decreased by &pound;1.3 billion during Q3 2025. Deposits
                                            remained broadly stable across each of the businesses, with a small overall decrease in the
                                            quarter of &pound;1.1 billion in customer deposits excluding central items. We continue to
                                            maintain a strong loan:deposit ratio of 95% at Q3 2025, up by 2% in the quarter, a loan:deposit
                                            ratio (excl. repos and reverse repos) up 2% in the quarter to 88%, and a strong liquidity
                                            position with an average Liquidity Coverage Ratio (LCR) of 148%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Assets
                                            under management and administration (AUMA) grew strongly in the quarter, up by 8.1% to &pound;56.0
                                            billion assisted by strong client net inflows.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Simplification continues
to drive efficiency</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">We continued to make good progress on becoming a simpler bank, delivering
efficiencies from our investment programmes and driving efficiency in the business which resulted in a 5.3% improvement in our year to
date cost:income ratio of 48.8% compared to 54.1% in Q3 2024 and a 5% improvement in our year to date cost:income (excl. litigation and
conduct) ratio of 47.8%, compared with 52.8% in the same period of 2024.</P>

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

</DIV>

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

<DIV STYLE="float: right; width: 48%">

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">We are pleased with progress towards our objective of simplifying the
way we operate, becoming a more agile and technology driven bank.</P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Active balance sheet management
creates capacity for growth</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">We continued to actively manage our balance sheet and risk, delivering
a &pound;2.2 billion benefit from RWA management actions as we created capacity for growth.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Capital generation pre-distributions was 101 basis points in the quarter.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Our Common Equity Tier 1 (CET1) ratio of 14.2% was up c.60 basis points
compared with Q4 2024 and c.60 basis points higher than Q2 2025. NAV per share in Q3 2025 increased by 11 pence to 455 pence. TNAV per
share in Q3 2025 increased by 11 pence to 362 pence.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0 0pt 0.25in">&nbsp;</P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Outlook<SUP>(1)&nbsp;</SUP></B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">We expect to introduce guidance for 2026 and new targets for 2028 with our Full Year 2025 results on 13 February 2026.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The following statements are based on our current expectations for
interest rates and economic conditions. We will monitor and react to market conditions and refine our internal forecasts as the economic
position evolves.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">We now expect income excluding notable items to be around &pound;16.3
billion for 2025 and to achieve a Return on Tangible Equity of greater than 18.0%.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Except for this strengthened guidance, we reaffirm the outlook provided
in our H1 2025 Interim Results on Form&nbsp;6-K.</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)&nbsp;
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&nbsp;20-F issued on 21 February&nbsp;2025 and the Summary Risk Factors in the NatWest Group plc 2025 Interim Results on Form&nbsp;6-K
issued on 25 July&nbsp;2025. These statements constitute forward-looking statements. Refer to Forward-looking statements in this announcement.</FONT></P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"></P>

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

</DIV>

<DIV STYLE="clear: both; width: 100%">

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

</DIV>

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

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

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><B><A NAME="sp1_002"></A>Business
performance summary</B></FONT></P>

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

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

<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; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Nine months ended</B></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; width: 39%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 September</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 September</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 7%; background-color: white">&nbsp;</TD></TR>
  <TR>
    <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">2024</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #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">2025</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">2024</FONT></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>Summary consolidated income statement</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Variance</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Variance</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Variance</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,388</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,307</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.0%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,268</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,094</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,899</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-interest income</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>2,929</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,571</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.9%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,064</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">911</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16.8%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">845</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.9%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total income</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>12,317</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10,878</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.2%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,332</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,005</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8.2%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,744</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(130)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(142)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(8.5%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(12)</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">(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">(83.8%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(41)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(70.7%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="border-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>(5,884)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,740)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.5%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,984)</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">(1,965)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.0%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,784)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.2%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(6,014)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,882)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.2%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,996)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,039)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2.1%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,825)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit before impairment losses</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,303</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,996</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.2%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,336</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">1,966</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.8%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,919</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment losses</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>(535)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(293)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">82.6%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(153)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(193)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(20.7%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(245)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(37.6%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating profit before tax</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,768</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,703</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,183</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">1,773</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23.1%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,674</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">30.4%</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">Tax charge</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>(1,412)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,232)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.6%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(502)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(439)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.4%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(431)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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; color: #5a287d"><B>Profit from continuing operations</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>4,356</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,471</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.5%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,681</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,334</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.0%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,243</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.2%</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>Profit from discontinued operations, net of tax</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>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(100.0%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(100.0%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit for the period</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,356</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,483</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25.1%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,681</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">1,334</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">26.0%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,244</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35.1%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><A NAME="sp1_005"></A>Performance key metrics and ratios</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Notable items within total income</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;189m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;102m</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">85.3%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;166m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(&pound;5m)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(&pound;28m)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income excluding notable items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;12,128m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;10,776m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.5%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;4,166m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;4,010m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.9%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;3,772m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.31%</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.11%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">20bps</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.37%</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.28%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">9bps</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.18%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average interest earning assets</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;544bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;526bn</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.4%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;548bn</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;543bn</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.9%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;530bn</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>47.8%</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">52.8%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5.0%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>45.8%</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">49.1%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3.3%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">47.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1.8%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>17bps</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">10bps</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7bps</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15bps</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">19bps</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4bps)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25bps</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(10bps)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit attributable to ordinary shareholders</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;4,086m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;3,271m</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24.9%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&pound;1,598m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;1,236m</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29.3%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&pound;1,172m</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total earnings per share attributable to ordinary shareholders - basic</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>50.7p</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">38.3p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.4p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>19.8p</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.3p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.5p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.1p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.7p</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on Tangible Equity (RoTE)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>19.5%</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">17.0%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.5%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>22.3%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.7%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.3%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.0%</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">Climate and transition finance</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(2)</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>&pound;7,569m</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; 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">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</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>&pound;7,569m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; 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">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">na</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 2pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

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

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

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

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

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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"></P>




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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Business performance summary continued</FONT></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD COLSPAN="5" STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="5" 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">2025</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">2024</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; width: 39%; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Balance sheet</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 9%; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Variance</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Variance</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total assets</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>725.6</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">730.8</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.7%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">708.0</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers - amortised cost</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>415.3</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">407.1</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">400.3</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers excluding central items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,3)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>384.5</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">380.1</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">368.5</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans to customers and banks - amortised cost and FVOCI</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>427.3</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">417.9</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.2%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">410.2</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4.2%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total impairment provisions</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(4)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.7</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.7</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.4</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Expected credit loss (ECL) coverage ratio</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.87%</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">0.87%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.83%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under management and administration (AUMA)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>56.0</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">51.8</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8.1%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">48.9</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.5%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>435.5</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">436.8</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.3%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">433.5</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.5%</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">Customer deposits excluding central items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,3)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>434.7</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">435.8</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.3%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">431.3</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.8%</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; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average Liquidity Coverage Ratio (LCR)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(5)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>148%</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">(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">151%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3.0%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Liquidity portfolio</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>239</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">217</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10.1%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">7.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Average Net Stable Funding Ratio (NSFR)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(5)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>135%</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">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">(1.0%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">(2.0%)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan:deposit ratio (excl. repos and reverse repos)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>88%</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">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">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">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">3%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total wholesale funding</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>93</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">91</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.2%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">8.1%</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">Short-term wholesale funding</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>37</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.7%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">33</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.1%</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; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Common Equity Tier 1 (CET1) ratio</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(6)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.2%</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">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">60bps</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">60bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total capital ratio</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(6)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>20.2%</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">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">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">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">50bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Pro forma CET1 ratio (excl. foreseeable items)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(7)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15.1%</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.6%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">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">80bps</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk-weighted assets (RWAs)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>189.1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">190.1</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.5%)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183.2</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3.2%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">UK leverage ratio</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5.0%</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.0%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5.0%</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tangible net asset value (TNAV) per ordinary share</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,8)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>362p</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">351p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11p</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">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">33p</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Number of ordinary shares in issue (millions)</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(8)</FONT></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,031</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,088</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.7%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,043</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(0.1%)</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>NatWest Group uses its climate and transition finance framework to determine the assets, activities, acquisition targets and companies
that are eligible to be included within its target to provide &pound;200 billion in climate and transition finance between 1 July&nbsp;2025
and the end of 2030. This included both provision of committed (on and off-balance sheet) financing and facilitation. The climate and
transition finance framework is available on the NatWest Group website.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>Central items includes Treasury repo activity.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>Includes &pound;0.1 billion relating to off-balance sheet exposures (30 June&nbsp;2025 &ndash; &pound;0.1 billion; 31 December&nbsp;2024
 &ndash; &pound;0.1 billion).</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(5)</TD><TD>Reported on an average basis in line with supervisory guidelines. The LCR is calculated as the average of the preceding 12 months.
The NSFR is calculated as the average of the preceding four quarters.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(6)</TD><TD>Refer to the Capital, liquidity and funding risk section for details of the basis of preparation.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(7)</TD><TD>The pro forma CET1 ratio at 30 September&nbsp;2025 excludes foreseeable items of &pound;1,721 million: &pound;1,275 million for ordinary
dividends and &pound;446 million foreseeable charges (30 June&nbsp;2025 excludes foreseeable items of &pound;1,994 million: &pound;1,244
million for ordinary dividends and &pound;750 million foreseeable charges; 31 December&nbsp;2024 excludes foreseeable items of &pound;1,249
million for ordinary dividends).</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(8)</TD><TD>The number of ordinary shares in issue excludes own shares held.</TD></TR></TABLE>

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

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

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




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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp2_001"></A>Chief
Financial Officer&rsquo;s review</B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We delivered another strong performance in the third quarter with total
income up by 8.2% in Q3 2025 compared to Q2 2025 and 15.7% compared to Q3 2024. Total income excluding notable items was up by 3.9% on
Q2 2025 and 10.4% on Q3 2024. We made further progress on simplification and as a result our cost:income ratio was 48.8% in the year to
date compared with 54.1% in the prior year and our cost:income ratio (excl. litigation and conduct) was 47.8% in the year to date compared
with 52.8% in the prior year. As a result, we achieved a return on equity of 15.3% and a RoTE of 22.3%, including more than 2 percentage
points from one-off items in the quarter.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The balance sheet continues to grow, with another quarter of strong
lending growth. Net loans to customers at Q3 2025 of &pound;415.3 billion increased by &pound;8.2 billion compared to H1 2025 with growth
of &pound;4.4 billion excluding central items. Customer deposits at Q3 2025 of &pound;435.5 billion reduced by &pound;1.3 billion compared
to H1 2025 while customer deposits excluding central items remained broadly stable with a small decrease overall of &pound;1.1 billion
in the quarter. Liquidity position remains robust with an average LCR of 148%.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our CET1 ratio came in just above the top end of our target range at
14.2% as we actively managed the balance sheet, delivering RWA management actions of &pound;2.2 billion in Q3 2025 which created continued
capacity for growth.</P>

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

<DIV STYLE="float: left; width: 49%">

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Strong Q3 2025 performance across
growth and simplification</B></FONT><B> </B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total income increased by 8.2% in Q3 2025 compared with Q2 2025 and was
15.7% higher than Q3 2024<FONT STYLE="color: red">. </FONT>Total income excluding notable items was &pound;156 million higher than Q2
2025 reflecting deposit margin expansion alongside the benefit of one additional day in the quarter. As a result, NIM increased by 9 basis
points in the quarter to 2.37%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total operating expenses were &pound;43 million lower than Q2 2025 and &pound;171
million higher than Q3 2024. Other operating expenses were &pound;19 million higher than Q2 2025 primarily reflecting integration costs
following the acquisition of balances from Sainsbury&rsquo;s Bank and higher restructuring costs as we continue to develop core skills
for the future, including increasing the number of software engineering roles. Our focus remains on driving cost savings to create capacity
for further investment to accelerate our bank-wide simplification<I>.</I> Headcount reduced by around 600 FTE compared with Q3 2024 and
was 100 FTE lower than Q2 2025.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>We continue to proactively manage
risk</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The net impairment charge of &pound;153 million, or 15 basis points of gross
customer loans, was &pound;40 million lower than Q2 2025 as Stage 3 charges were lower in Commercial&nbsp;&amp; Institutional and the
prior quarter included an &pound;81 million charge on the acquisition of balances from Sainsbury&rsquo;s Bank, offset by lower post model
adjustment releases. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Compared with Q2 2025, our ECL provision and our ECL coverage ratio remained
stable at &pound;3.7 billion and 0.87% respectively. We retain post model adjustments of &pound;265 million and remain comfortable with
the strong credit performance of our diversified prime loan book.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Our lending aligns to our climate
ambitions</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">During Q3 2025 we provided &pound;7.6 billion in climate
and transition finance against our target to provide &pound;200 billion between 1 July&nbsp;2025 and the end of 2030, which is underpinned
by our climate and transition finance framework. We also achieved our aim to provide &pound;10 billion in lending for EPC A and B rated
residential properties between 1 January&nbsp;2023 and the end of 2025, with &pound;10.8 billion lending up to 30 September&nbsp;2025.
</FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Active balance sheet management
supporting robust liquidity levels</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">We continued to support our customers as net loans to customers
at Q3 2025 of &pound;415.3 billion increased by &pound;8.2 billion compared to H1 2025 and net loans to </FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="float: right; width: 49%">

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt">
<TR>
<TD STYLE="width: 0"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 9pt">customers excluding central items
                                            increased &pound;4.4 billion in Q3 2025. Retail Banking mortgage balances increased by &pound;1.7
                                            billion and Commercial&nbsp;&amp; Institutional balances were up by &pound;2.5 billion, largely
                                            within Corporate&nbsp;&amp; Institutions and Commercial Mid-market.</FONT></TD></TR>
                                                                                                                         </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits at Q3 2025 of &pound;435.5 billion reduced
by &pound;1.3 billion compared to H1 2025. Customer deposits excluding central items reduced &pound;1.1 billion in the quarter to &pound;434.7
billion primarily reflecting a reduction in savings balances in Retail Banking and Private Banking&nbsp;&amp; Wealth Management. Commercial&nbsp;&amp;
Institutional increased by &pound;0.4 billion largely due to higher balances within Commercial Mid-market and Business Banking. Total
business term balances reduced to 16% of the book, down from 17% at Q2 2025.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">We continue to actively manage our balance sheet as RWAs
decreased by &pound;1.0 billion in the quarter to &pound;189.1 billion, including a further &pound;2.2 billion benefit from RWA management
actions as we created capacity for lending growth. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The average LCR of 148% (spot LCR: 141%) representing &pound;51.6
billion headroom above 100% minimum requirement, decreased by 2 percentage points compared with Q2 2025 primarily due to higher lending.
Our primary liquidity at Q3 2025 was &pound;159 billion, of which &pound;80.5 billion, or 51% was cash and balances at central banks.
Total wholesale funding increased by &pound;2.1 billion in the quarter to &pound;92.9 billion. </FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Shareholder return supported
by strong capital generation</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">An attributable profit of &pound;1,598 million, return on equity of 15.3%
and RoTE of 22.3% included more than 2 percentage points from one-off items in the quarter, including a &pound;147 million gain from the
release of a funding valuation adjustment applied to a portfolio of derivatives.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The CET1 ratio of 14.2% was c.60 basis points higher than Q2 2025 principally
reflecting the attributable profit for the quarter, c.85 basis points, and the reduction in RWAs, c.10 basis points, partially offset
by the foreseeable ordinary dividend, c.40 basis points.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">NAV per share increased by 11 pence in Q3 2025 to 455 pence. TNAV per share
increased by 11 pence in the quarter to 362 pence primarily reflecting the profit for the period partially offset by the interim dividend
payment.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%">

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

</DIV>

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

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

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

<P STYLE="font: 10pt 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"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp2_002"></A>Retail Banking</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 56%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 September</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,662</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,594</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,459</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(715)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(742)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(659)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>of which: Other operating expenses</I></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B><I>(712)</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(734)</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(656)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(97)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(117)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(144)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>850</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">735</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">656</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26.4%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23.2%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21.4%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.64%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.59%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.43%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>42.8%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">46.0%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">45.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18bps</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">22bps</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">28bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>216.0</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">214.3</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">208.4</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>195.8</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">196.6</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">194.8</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">RWAs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>69.1</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">69.4</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">65.5</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During Q3 2025, Retail Banking delivered a return on equity of 26.4%
and an operating profit of &pound;850 million, with continued positive income and net interest margin momentum. We have increased net
mortgage lending by &pound;1.7 billion and, as we widen our customer proposition, we have announced
our partnership with Landbay to support more buy-to-let property investors. In addition, we have continued to progress the integration
of our recently acquired Sainsbury&rsquo;s customers, with credit card customers now able to view their credit card, link their Sainsbury&rsquo;s
Nectar card and view their Nectar points from credit card spending in our app.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Retail Banking provided &pound;1.2 billion of climate and transition
financing in Q3 2025 from lending on EPC A and B rated residential properties.</P>

</DIV>

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

<DIV STYLE="float: right; width: 49%">

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Q3 2025 performance</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total income was &pound;68 million, or 4.3%, higher than Q2 2025 reflecting
deposit margin expansion, full quarter impact of balances acquired from Sainsbury&rsquo;s Bank and the benefit of one additional day in
the quarter. Q3 2025 total income was &pound;203 million, or 13.9%, higher than Q3 2024 reflecting deposit margin expansion, lending growth
and the impact of balances acquired from Sainsbury&rsquo;s Bank. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Net interest margin was 5 basis points higher than Q2 2025 largely reflecting
deposit margin expansion and full quarter impact of balances acquired from Sainsbury&rsquo;s Bank.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Operating expenses of &pound;715 million were &pound;27 million, or 3.6%,
lower than Q2 2025 and &pound;56 million, or 8.5%, higher than Q3 2024. Other operating expenses were &pound;22 million, or 3.0%, lower
than Q2 2025 reflecting non-repeat of Q2 2025 FCA regulatory fees and property exit costs. Other operating expenses were &pound;56 million,
or 8.5%, higher than Q3 2024 reflecting higher investment spend, partly offset by a 4.9% reduction in headcount. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">An impairment charge of &pound;97 million, compared with a &pound;117 million
charge in Q2 2025, largely driven by good book model releases. Stage 3 default driven charge remains stable. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Net loans to customers increased by &pound;1.7 billion, or 0.8%, in Q3 2025
driven by higher mortgage balances of &pound;1.7 billion, or 0.9%, higher cards balances of &pound;0.1 billion, or 1.2%, partly offset
by lower personal advances of &pound;0.1 billion, or 1.1%.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Customer deposits decreased by &pound;0.8 billion, or 0.4%, in Q3 2025 reflecting
lower savings balances of &pound;1.4 billion, partly offset by increased current account balances of &pound;0.6 billion.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">RWAs decreased by &pound;0.3 billion, or 0.4%, in Q3 2025 primarily due
to RWA management actions, largely offset by book movements.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%">

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</DIV>

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Business performance summary continued</FONT></P>

<P STYLE="font: 10pt 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"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp2_003"></A>Private Banking&nbsp;&amp;
Wealth Management</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 56%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 September</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>284</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">274</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">253</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, 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: AUMA income</FONT></I><I><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(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>75</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>72</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>68</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(173)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(172)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(166)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, 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: Other operating expenses</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>(172)</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(171)</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(166)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(3)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>108</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">102</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">90</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>23.4%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">22.5%</FONT></TD>
    <TD STYLE="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"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.66%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.56%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.50%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60.6%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">62.4%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">65.6%</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6bps</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(7bps)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">AUMA net flows (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>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">1.3</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">0.9</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>18.8</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.6</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18.2</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>40.6</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">41.3</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">42.4</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under management (AUM)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>41.9</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39.0</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.0</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under administration (AUA)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14.1</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12.8</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">11.9</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Assets under management and administration (AUMA)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>56.0</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">51.8</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">48.9</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total combined assets and liabilities (CAL)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1,2)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>114.2</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">110.4</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">108.4</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.4</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">11.5</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">11.0</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of basis of preparation and reconciliation of non-IFRS financial measures
and performance metrics.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>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.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 20pt">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During Q3 2025, Private Banking&nbsp;&amp; Wealth Management continued
to deliver a strong performance with an operating profit of &pound;108 million, return on equity of 23.4%, cost:income ratio of 60.9%
and cost:income ratio (excl. litigation and conduct) of 60.6%. We have continued to progress our simplification agenda, including the
rollout of a new workflow tool for investment advice, which has reduced the time to deliver simple investment advice. Our digital experience
also continues to improve, with mobile NPS rising to 54, reflecting the ongoing enhancements to our mobile app.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Private Banking&nbsp;&amp; Wealth Management provided &pound;0.1 billion
of climate and transition financing in Q3 2025, principally in relation to mortgages on residential properties with an EPC rating of A
or B and wholesale transactions.</P>

</DIV>

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

<DIV STYLE="float: right; width: 49%">

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Q3 2025 performance</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income was &pound;10 million, or 3.6%, higher than
Q2 2025 primarily reflecting balance growth across lending and AUMA and deposit margin expansion. Q3 2025 total income was &pound;31 million,
or 12.3%, higher than Q3 2024 primarily reflecting balance growth across deposits, lending and AUMA, and deposit margin expansion.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin was 10 basis points higher than Q2 2025
largely reflecting deposit margin expansion.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;173 million were &pound;1 million,
or 0.6%, higher than Q2 2025 and &pound;7 million, or 4.2%, higher than Q3 2024. Other operating expenses were &pound;1 million, or 0.6%,
higher than Q2 2025 primarily reflecting timing of non-staff costs. Other operating expenses were &pound;6 million, or 3.6%, higher than
Q3 2024 primarily reflecting higher back office costs, partly offset by a 4.5% reduction in headcount. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An impairment charge of &pound;3 million in Q3 2025, compared
with no impairment charge in Q2 2025. Stage 3 charges remain at low levels. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">CAL increased by &pound;3.8 billion, or 3.4%, in Q3 2025,
supported by growth in AUMA and lending balances.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers increased by &pound;0.2 billion,
or 1.1%, in Q3 2025 driven by higher personal lending balances.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits decreased by &pound;0.7 billion, or 1.7%,
in Q3 2025 driven by seasonal tax outflows and continued flows to AUMAs.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">AUMA balances increased by &pound;4.2 billion, in Q3 2025,
driven by positive market movements of &pound;3.0 billion, AUM net inflows of &pound;0.6 billion, AUA net inflows of &pound;0.4 billion
and Cushon net inflows of &pound;0.2 billion. AUM net flows as a percentage of opening balances are 6.2% on an annualised basis.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%">

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&nbsp;</P>

</DIV>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in"></P>

<!-- Field: Page; Sequence: 5; Value: 7 -->
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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Business performance summary continued</FONT></P>

<P STYLE="font: 10pt 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"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp2_004"></A>Commercial&nbsp;&amp;
Institutional</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Quarter ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 56%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="width: 12%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 September</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,550</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,496</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,392</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>658</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">651</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">679</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,208</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">2,147</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">2,071</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,115)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,107)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(945)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, 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: Other operating expenses</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>(1,060)</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(1,047)</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><I>(911)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(52)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(76)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(109)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operating profit</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,041</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">964</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,017</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>19.7%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">17.9%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">19.9%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.36%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.35%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.24%</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>48.0%</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">48.8%</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">44.0%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>14bps</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">20bps</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">31bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>149.7</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">147.2</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">141.9</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>198.3</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">197.9</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">194.1</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Funded assets</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>348.2</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">343.1</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">321.6</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>107.0</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">107.8</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">104.7</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR></TABLE>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">During Q3 2025, Commercial&nbsp;&amp; Institutional continued to deliver
a strong performance in income and operating profit, supporting a return on equity of 19.7%, an increase from 17.9% in Q2 2025. We have
supported sectors that are vital to the health and success of the UK economy including continued support for UK Infrastructure and Housing
Associations, reaching &pound;7.4 billion of lending to Social Housing against our target of &pound;7.5 billion. We saw another quarter
of continued strong demand for FX risk management against a backdrop of volatile markets, supporting income. We have improved customer
experience through our Bankline transformation and modernised digital platforms, driving deeper customer engagement.</P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Commercial&nbsp;&amp; Institutional provided &pound;6.3 billion of
climate and transition funding in Q3 2025 to support customers investing in the transition to net zero.</P>

</DIV>

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

<DIV STYLE="float: right; width: 49%">

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Q3 2025 performance</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8.5pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total income was &pound;61 million, or 2.8%, higher than
Q2 2025 primarily reflecting deposit margin expansion, lending growth as well as the impact of an additional day in the quarter. Q3 2025
total income was &pound;137 million, or 6.6%, higher than Q3 2024 primarily reflecting deposit margin expansion and customer lending growth.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8.5pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin was 1 basis point higher than Q2 2025
reflecting deposit margin expansion. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8.5pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Operating expenses of &pound;1,115 million were &pound;8
million, or 0.7%, higher than Q2 2025 and &pound;170 million, or 18.0%, higher than Q3 2024. Other operating expenses were &pound;13 million,
or 1.2%, higher than Q2 2025 largely reflecting increased investment spend partially offset by non-repeat of Q2 2025 FCA regulatory fees
and one-off VAT recovery in the quarter. Other operating expenses were &pound;149 million, or 16.4%, higher than Q3 2024 reflecting inflationary
increases on staff costs and increased investment spend.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8.5pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An impairment charge of &pound;52 million in Q3 2025 compared
with a &pound;76 million charge in Q2 2025 reflecting lower levels of Stage 3 impairments.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8.5pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net loans to customers increased by &pound;2.5 billion,
or 1.7%, in Q3 2025 principally due to Funds lending and Large Corporate growth within Corporate&nbsp;&amp; Institutions and Regional
and Commercial Real Estate growth within Commercial Mid-market, partly offset by UK Government scheme repayments of &pound;0.5 billion.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8.5pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Customer deposits increased by &pound;0.4 billion, or 0.2%,
in Q3 2025 largely reflecting higher balances within Commercial Mid-market and Business Banking. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8.5pt">-</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">RWAs decreased by &pound;0.8 billion, or 0.7%, in Q3 2025
primarily reflecting continued RWA management actions, partially offset by book movements and currency impacts.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%">

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

</DIV>

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

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    <!-- Field: /Page -->

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Business performance summary continued</FONT></P>

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

<DIV STYLE="float: left; width: 48%"><P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp1_003"></A>Central
                                     items&nbsp;&amp; other</FONT></P>

<P STYLE="font: 10pt Calibri, 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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Quarter ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="width: 16%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="width: 16%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30 September</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">Total income</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>178</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(10)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(39)</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating expenses</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>7</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(18)</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(55)</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">of which: Other operating expenses</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>(40)</I></B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>(13)</I></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>(51)</I></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1)</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating profit/(loss)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>184</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(28)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(89)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>As at</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30 September</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30 June</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">31 December</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>30.8</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27.0</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31.8</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.8</B></FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.0</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.2</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">RWAs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.4</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.0</FONT></TD></TR>
  </TABLE>
</DIV><DIV STYLE="float: right; width: 48%">


<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Q3 2025 performance</B></FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt; background-color: white">Total
                                            income was &pound;188 million higher than Q2 2025 primarily reflecting higher gains on interest
                                            and FX risk management derivatives not in accounting hedge relationships and Business Growth
                                            Fund profits partially offset with foreign exchange recycling losses.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Operating
                                            expenses in Q3 2025 were a &pound;7 million credit compared to an &pound;18 million charge
                                            in Q2 2025 and a &pound;55 million charge in Q3 2024. <FONT STYLE="background-color: white">Other
                                            operating expenses were &pound;27 million higher than Q2 2025 primarily due to one-off items
                                            including an HMRC tax credit in Q2 2025, timing of spend, as well as higher staff restructuring
                                            costs in the quarter as we pivot support towards developing critical core skills for the
                                            future.</FONT></FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt; background-color: white">Net
                                            loans to customers increased by &pound;3.8 billion in Q3 2025 driven by reverse repo activity
                                            in Treasury.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt">-</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt; background-color: white">Customer
                                            deposits decreased by &pound;0.2 billion in Q3 2025 reflecting repo activity in Treasury.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 13 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp1_004"></A>Segment
performance</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Nine months ended 30 September&nbsp;2025</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 50%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Private Banking</B></FONT></TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">&amp; Wealth</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Commercial</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Central items</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total NatWest</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Management</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp; Institutional</B></FONT></TD>
    <TD STYLE="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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">&amp; other</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Group</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD COLSPAN="5" STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,471</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>555</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,505</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(143)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>9,388</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>325</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>268</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,989</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>344</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,926</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total income</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,796</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>823</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,497</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>201</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12,317</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(604)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(183)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,192)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(3,905)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(5,884)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,519)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(347)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,930)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,796</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2,123)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(530)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(3,122)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(109)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(5,884)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(15)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(144)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>31</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(130)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2,138)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(532)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(3,266)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(78)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(6,014)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating profit before impairment losses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,658</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>291</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,231</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>123</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,303</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(323)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(4)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(206)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(535)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating profit</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,335</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>287</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,025</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>121</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,768</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total income excluding notable items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,796</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>823</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,494</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12,128</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on Tangible Equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19.5%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>24.7%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>21.0%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19.0%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>44.3%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>64.4%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>48.1%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>47.8%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>240.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>29.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>408.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>47.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>725.6</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Funded assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>240.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>29.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>348.2</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>46.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>664.5</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>216.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>149.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>30.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>415.3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17bps</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.9)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.7)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(3.7)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.2)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.1)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2.3)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>195.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>40.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>198.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>435.5</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>69.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>107.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>189.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>69.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>108.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>191.2</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>32.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>59.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer asset rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4.34%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4.74%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6.04%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer funding rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.78%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2.75%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.60%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(1)</FONT></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>229.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>28.5</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>257.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>544.3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.60%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.60%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.34%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.31%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0">nm = not meaningful, na = not applicable.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR></TABLE>

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

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

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    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Segment performance continued</FONT></P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Nine months ended 30 September&nbsp;2024</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Private Banking</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Wealth</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Commercial</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total NatWest</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Management</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Institutional</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Group</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,825</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">455</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,935</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">92</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">8,307</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">324</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">242</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,941</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">69</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,576</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total income</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,149</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">697</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,871</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">161</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,878</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(586)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(190)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,120)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3,844)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5,740)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,527)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(331)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,864)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,722</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2,113)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(521)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2,984)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(122)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5,740)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(16)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(111)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(14)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(142)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2,129)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(522)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3,095)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(136)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5,882)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating profit before impairment losses/releases</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,020</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">175</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,776</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,996</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(266)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">14</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(52)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(293)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating profit</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,754</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">189</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,724</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">36</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,703</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total income excluding notable items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,149</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">697</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,876</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">54</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,776</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on Tangible Equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.0%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">50.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">74.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">50.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">52.8%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">231.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">398.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">54.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">711.9</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Funded assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">231.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">331.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">53.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">643.2</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">207.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">138.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">23.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">386.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(10bps)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.6)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3.6)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.0)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2.1)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">192.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">39.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">195.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">431.1</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">64.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">104.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">181.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">65.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">105.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">184.0</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">32.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">59.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer asset rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3.95%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4.99%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6.74%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer funding rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2.08%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3.15%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.92%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">220.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">26.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">244.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">526.2</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.32%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.29%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.15%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.11%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0">nm = not meaningful, na = not applicable.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR></TABLE>

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




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

<!-- Field: Page; Sequence: 3; Value: 13 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Segment performance continued</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Quarter ended 30 September&nbsp;2025</B></FONT></TD></TR>
  <TR>
    <TD STYLE="width: 50%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Private Banking</B></FONT></TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 10%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">&amp; Wealth</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Commercial</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Central items</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total NatWest</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Management</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp; Institutional</B></FONT></TD>
    <TD STYLE="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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">&amp; other</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Group</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,549</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>192</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,550</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(23)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,268</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>113</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>92</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>658</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>201</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,064</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total income</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,662</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>284</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,208</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>178</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,332</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(208)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(61)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(410)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,305)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,984)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(504)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(111)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(650)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,265</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(712)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(172)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,060)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(40)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,984)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(3)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(55)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>47</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(12)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(715)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(173)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,115)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>7</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,996)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating profit before impairment losses</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>947</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>111</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,093</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>185</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,336</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(97)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(3)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(52)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(153)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating profit</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>850</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>108</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,041</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>184</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,183</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total income excluding notable items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,662</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>284</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,208</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,166</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-top: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on Tangible Equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>22.3%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>26.4%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>23.4%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19.7%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>42.8%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>60.6%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>48.0%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>45.8%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>240.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>29.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>408.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>47.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>725.6</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Funded assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>240.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>29.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>348.2</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>46.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>664.5</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>216.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>149.7</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>30.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>415.3</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>14bps</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15bps</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.9)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.7)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(3.7)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.2)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.1)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2.3)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>195.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>40.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>198.3</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>435.5</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>69.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>107.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>189.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>69.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.4</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>108.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.9</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>191.2</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.1</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>32.8</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>59.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer asset rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4.40%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4.66%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5.88%</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer funding rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.69%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2.61%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.49%)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>nm</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>233.0</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>28.6</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>260.5</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>548.1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.64%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.66%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.36%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>na</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.37%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0">nm = not meaningful, na = not applicable.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt RN House Sans Light,sans-serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 4; Value: 13 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Segment performance continued</FONT></P>

<P STYLE="font: 10pt Calibri, 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: RN House Sans Light,sans-serif; font-size: 6pt">Quarter ended 30 June&nbsp;2025</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Private Banking</FONT></TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Wealth</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Commercial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total NatWest</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Management</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Institutional</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Group</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD COLSPAN="5" STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,484</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">182</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,496</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(68)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,094</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">110</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">92</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">654</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">58</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">914</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total income</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,594</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">274</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,147</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(10)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,005</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(230)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(63)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(403)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,269)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,965)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(504)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(108)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(644)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,256</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(734)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(171)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,047)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(13)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,965)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(60)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(74)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(742)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(172)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,107)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(18)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2,039)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating profit/(loss) before impairment losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">852</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">102</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,040</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(28)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,966</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment losses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(117)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(76)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(193)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating profit/(loss)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">735</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">102</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">964</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(28)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,773</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total income excluding notable items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,594</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">274</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,150</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,010</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on Tangible Equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.7%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">23.2%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">22.5%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">46.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">62.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">48.8%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">49.1%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">238.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">29.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">414.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">48.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">730.8</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Funded assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">238.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">29.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">343.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">47.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">657.8</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">214.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">147.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">407.1</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">22bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">20bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3.7)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2.2)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">196.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">197.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">436.8</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">69.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">107.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">190.1</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">70.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">108.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">192.3</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">32.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">59.2</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer asset rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4.32%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4.74%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6.00%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer funding rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.79%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2.74%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.60%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">230.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">28.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">255.6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">543.2</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.59%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.56%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.35%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.28%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0">nm = not meaningful, na = not applicable.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR></TABLE>

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




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

<!-- Field: Page; Sequence: 5; Value: 13 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Segment performance continued</FONT></P>

<P STYLE="font: 10pt Calibri, 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: RN House Sans Light,sans-serif; font-size: 6pt">Quarter ended 30 September&nbsp;2024</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Private Banking</FONT></TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Wealth</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Commercial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Central items</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total NatWest</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Management</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Institutional</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Group</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Continuing operations</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Income statement</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,350</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">170</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,392</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(13)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,899</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other non-interest income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">109</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">83</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">677</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(26)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">843</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total income</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,459</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">253</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,071</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(39)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,744</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Direct expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(205)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(64)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(356)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,159)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,784)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Indirect expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(451)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(102)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(555)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,108</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other operating expenses</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(656)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(166)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(911)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(51)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,784)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(34)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(41)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating expenses</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(659)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(166)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(945)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(55)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,825)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating profit/(loss) before impairment losses/releases</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">800</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">87</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,126</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(94)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,919</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment (losses)/releases</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(144)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(109)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(245)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating profit /(loss)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">656</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,017</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(89)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,674</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total income excluding notable items</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,459</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">253</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,069</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(9)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,772</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="5">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Additional information</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on Tangible Equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18.3%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21.4%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.7%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.9%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cost:income ratio (excl. litigation and conduct)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">45.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">65.6%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">44.0%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">47.6%</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total assets (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">231.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">398.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">54.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">711.9</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Funded assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">231.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">331.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">53.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">643.2</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net loans to customers - amortised cost (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">207.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">138.1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">23.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">386.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loan impairment rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">28bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(7bps)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31bps</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">25bps</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.9)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(0.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.6)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3.6)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Impairment provisions - Stage 3 (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.0)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2.1)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">192.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">39.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">195.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3.7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">431.1</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Risk-weighted assets (RWAs) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">64.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">104.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">181.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">RWA equivalent (RWAe) (&pound;bn)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">65.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">105.3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">184.0</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Employee numbers (FTEs - thousands)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">32.5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">59.7</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer asset rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4.09%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5.01%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6.67%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Third party customer funding rate</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2.10%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3.16%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.91%)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">nm</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: white 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average interest earning assets (&pound;bn)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">221.4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27.0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">246.8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">529.8</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; border-left: white 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net interest margin</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.43%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.50%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.24%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">na</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.18%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 7pt">&nbsp;</FONT></P>

<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0">nm - not meaningful, na - not applicable</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt RN House Sans Light,sans-serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Refer to the Non-IFRS financial measures appendix for details of the basis of preparation and reconciliation of non-IFRS financial
measures and performance metrics.</TD></TR></TABLE>

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

<P STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 6; Value: 13 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp4_001"></A>Risk and
capital management</B></FONT></P>

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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp4_002"></A>Credit
risk</FONT></P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp4_003"></A>Segment
analysis &ndash; portfolio summary</B></FONT><B> </B></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The table below shows gross loans and ECL, by segment and stage, within
the scope of the IFRS 9 ECL framework.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; background-color: white; text-align: center"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">31 December&nbsp;2024</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 26%; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-right: 3pt; width: 7%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Private Banking</B></FONT></TD>
    <TD STYLE="width: 7%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 9%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Private Banking</FONT></TD>
    <TD STYLE="width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 7%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="padding-right: 3pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Retail</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp; Wealth</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Commercial</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Central
items</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Wealth</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Commercial</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Central
items</FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="padding-right: 3pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Management</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp; Institutional</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp; other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Management</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; Institutional</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp; other</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="padding-right: 3pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(1,2)</FONT></B></TD>
    <TD COLSPAN="5" STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="border-top: black 1pt solid; background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 1</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>189,140</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17,619</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>138,333</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>35,504</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>380,596</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">182,366</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17,155</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">128,988</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">35,312</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">363,821</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 2</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>25,529</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>891</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>14,510</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>56</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>40,986</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24,242</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">844</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">15,339</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">49</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">40,474</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 3</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,068</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>372</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,286</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,728</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,268</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">322</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,340</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,930</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Of which: individual</I></FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>272</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,290</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,562</I></B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>233</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,052</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt"><I>Of which: collective</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3,068</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>100</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>996</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4,166</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,268</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>89</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,288</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">Total</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>217,737</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18,882</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>155,129</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>35,562</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>427,310</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">209,876</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18,321</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">146,667</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">35,361</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">410,225</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(3)</FONT></B></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 1</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>346</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>263</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>637</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">279</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">16</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">289</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">14</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">598</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 2</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>413</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>331</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>755</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">428</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">346</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">787</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 3</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,179</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>45</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,100</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,325</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,063</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">36</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">941</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,040</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Of which: individual</I></FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>45</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>599</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>644</I></B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>36</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>415</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt"><I>Of which: collective</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,179</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>501</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,681</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,063</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>526</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">Total</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,938</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>69</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,694</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>16</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,717</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,770</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">64</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,576</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">15</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,425</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(4)</FONT></B></TD>
    <TD COLSPAN="5" STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="background-color: white">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 1 (%)</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.18</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.08</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.19</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.04</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.17</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.15</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.09</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.22</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.04</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.16</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 2 (%)</FONT></TD>
    <TD STYLE="padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.62</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.12</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.28</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.79</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.84</B></FONT></TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.77</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.42</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.26</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2.04</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">Stage 3 (%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>38.43</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12.10</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>48.12</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>50.00</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>40.59</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">32.53</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.18</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">40.21</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">Total</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-right: 3pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.89</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.37</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.09</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.04</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.87</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.84</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.35</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.07</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.04</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.83</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0"></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The table shows gross loans only and excludes amounts that were outside the scope of the ECL framework. Other financial assets within
the scope of the IFRS 9 ECL framework were cash and balances at central banks totalling &pound;83.5 billion (31 December&nbsp;2024 &ndash;
 &pound;91.8 billion) and debt securities of &pound;70.7 billion (31 December&nbsp;2024 &ndash; &pound;62.4 billion).</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Fair value through other comprehensive income (FVOCI). Includes loans to customers and banks.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>Includes &pound;4 million (31 December&nbsp;2024 &ndash; &pound;4 million) related to assets classified as FVOCI and &pound;0.1 billion
(31 December&nbsp;2024 &ndash; &pound;0.1 billion) related to off-balance sheet exposures.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>ECL provisions coverage is calculated as ECL provisions, including ECL for other non-loan assets and unutilised exposure, divided
by loans &ndash; amortised cost and FVOCI. Some segments with a high proportion of debt securities or unutilised exposure may result in
a not meaningful (nm) coverage ratio.</TD></TR></TABLE>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

<DIV STYLE="float: left; width: 48%">



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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Credit risk continued</FONT></P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp4_004"></A>Segment
analysis - loans</B></FONT><B> </B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt"><B>Retail Banking</B> &ndash; Asset quality and arrears
rates remained stable and within expectations during the year. The overall 2025 increase in good book and total ECL coverage was largely
driven by the acquisition of the Sainsbury&rsquo;s Bank portfolio earlier this year which, in conjunction with continued organic growth
on cards and personal loan portfolios, increased the unsecured portfolio mix. Good book coverage for Retail Banking remained stable, reflecting
portfolio arrears trends and no change to economic scenarios The good book ECL on credit cards reduced due to a decrease in exposure at
default on inaccessible limits. The reduction in the proportion of Stage 3 loans this year was influenced by both the acquisition of the
Sainsbury&rsquo;s Bank portfolio on unsecured and an enhancement to the application of the definition of default used on mortgages. The
latter resulted in a &pound;0.4 billion migration of loans from Stage 3 back to the good book.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt"><B>Commercial&nbsp;&amp; Institutional</B> &ndash; Increased
coverage in the portfolio primarily reflected the impact of defaulted charges in the first half of the year, driven by a small number
of individual charges. Underlying default rates and total number of defaults remained subdued, reflecting overall stable portfolio performance.
Performing book ECL reduced in the year, in line with economic improvements and reductions in post model adjustments, even as total performing
book exposure increased. </FONT></TD></TR></TABLE>

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

</DIV>

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

<DIV STYLE="float: right; width: 48%">

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp4_005"></A>Movement
in ECL provision</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The table below shows the main ECL provision movements during the year.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; width: 86%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 14%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>ECL provision</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>At 1 January&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 8pt">Acquisitions</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>81</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Changes in economic forecasts</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(20)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>564</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Judgemental changes: changes in post model adjustments for Stage 1,</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;</FONT> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Stage 2 and Stage 3</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(71)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Write-offs and other</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(272)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>At 30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,717</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 8.5pt RN House Sans Regular,sans-serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">For the nine months to 30 September&nbsp;2025, overall ECL
increased following Non-Personal Stage 3 charges and an increase in good book ECL in the Personal portfolio, driven by the Sainsbury&rsquo;s
Bank portfolio acquisition. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">For the Non-Personal portfolio, ECL increased this year
from Stage 3 charges, driven by a small number of individual charges in the Commercial&nbsp;&amp; Institutional portfolio. This was partially
offset by post model adjustment releases in the good book. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">In the Personal portfolios, default inflows were broadly
stable for the nine months to 30 September&nbsp;2025. However, Stage 3 ECL increased year-to-date on all unsecured portfolios, with reduced
debt sale activity. In 2025, there was a reduction of Stage 3 ECL on mortgages related to an enhancement to the application of the definition
of default, resulting in a &pound;0.4 billion migration of loans from Stage 3 to the good book.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Judgemental ECL post model adjustments decreased this year
to &pound;265 million (31 December&nbsp;2024 &ndash; &pound;336 million) representing 7.1% of total ECL (31 December&nbsp;2024 &ndash;
9.8%). This reflected revisions to the Retail Banking cost of living post model adjustment after regular back-testing, and Non-Personal
portfolio improvements in underlying risk profile. </FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%">

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

</DIV>

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

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


<!-- Field: Page; Sequence: 2; Value: 19 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

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

<DIV STYLE="float: left; width: 48%">

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Credit risk continued</FONT></P>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp4_006"></A>ECL
post model adjustments</B></FONT></P>

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

<P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">The table below shows ECL post model adjustments.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 6pt">&nbsp;</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Private
    Banking</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"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Retail
    Banking</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp;
    Wealth</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Commercial</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 34%; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Mortgages</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: #F2EAF9"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 13%; 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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">Management</FONT></B></TD>
    <TD STYLE="white-space: nowrap; width: 13%; 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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">&amp;
    Institutional</FONT></B></TD>
    <TD STYLE="white-space: nowrap; width: 13%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Deferred model</FONT><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"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">calibrations</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>13</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>14</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Economic uncertainty</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>55</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>31</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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>139</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>233</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other adjustments</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>55</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>31</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>9</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>170</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>265</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Of which:</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></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>- Stage 1</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>40</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>13</I></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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>73</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>130</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>- Stage 2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>15</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>18</I></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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>97</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>135</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-
    Stage 3</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31
    December&nbsp;2024</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"><FONT STYLE="font-size: 8pt">&nbsp;</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"><FONT STYLE="font-size: 8pt">&nbsp;</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"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Deferred model</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">calibrations</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">1</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Economic uncertainty</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">22</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: RN House Sans Light,sans-serif; font-size: 8pt">8</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">179</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">299</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other
    adjustments</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</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: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">22</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: RN House Sans Light,sans-serif; font-size: 8pt">9</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">215</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">336</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Of which:</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>- Stage 1</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>58</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>9</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: RN House Sans Light,sans-serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>94</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>166</I></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>- Stage 2</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>26</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>13</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: RN House Sans Light,sans-serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>119</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>162</I></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-
    Stage 3</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></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: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>8</I></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

</DIV>

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

<DIV STYLE="float: right; width: 48%">

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Post model adjustments reduced since 31 December&nbsp;2024, reflecting
updates to post model adjustment parameters.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt"><B>Retail Banking</B> &ndash; As at 30 September&nbsp;2025,
the post model adjustment for economic uncertainty decreased to &pound;86 million (31 December&nbsp;2024 &ndash; &pound;112 million).
This reduction was driven by a revision to the cost of living post model adjustment, which now stands at &pound;86 million (31 December&nbsp;2024
 &ndash; &pound;105 million), and is the sole remaining economic uncertainty post model adjustment. This change was based on a review of
back-testing. Despite ongoing economic and geopolitical uncertainty, the Retail Banking portfolios demonstrated resilience, supported
by a robust risk appetite. The cost of living post model adjustment continued to address the risk in segments of the Retail Banking portfolio
that were more susceptible to affordability challenges. It focused on key affordability factors, including lower income customers in fuel
poverty, over-indebted borrowers, and customers vulnerable to higher mortgage rates.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Calibri, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0pt"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ndash;</FONT></TD><TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt"><B>Commercial&nbsp;&amp; Institutional &ndash; </B>As at
30 September&nbsp;2025, the post model adjustment for economic uncertainty decreased to &pound;139 million (31 December&nbsp;2024 &ndash;
 &pound;179 million). The inflation, supply chain and liquidity post model adjustment of &pound;123 million (31 December&nbsp;2024 &ndash;
 &pound;150 million) for lending prior to 1 January&nbsp;2024, remained the largest component of this adjustment. Downgrades to risk profiles
were applied to the sectors that were considered most at risk from the current economic and geopolitical headwinds, with the level of
downgrade reviewed to ensure the latest risks were appropriately captured. The &pound;27 million decrease reflected improved risk metrics
along with reduced exposure in the portfolio subject to the adjustment, through either repayment or default.</FONT></TD></TR></TABLE>

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

</DIV>

<DIV STYLE="clear: both; width: 100%">

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

</DIV>


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


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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Credit risk continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B><A NAME="sp4_007"></A>Sector
analysis &ndash; portfolio summary</B></FONT><B> </B></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Non-Personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 40%; background-color: white">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Credit</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Corporate
and</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Financial</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Mortgages (1)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&nbsp;</B></FONT><B><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">cards</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>institutions</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Sovereign</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>215,140</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,275</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11,447</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>234,862</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>115,024</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,100</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,324</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>192,448</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>427,310</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: RN House Sans Light,sans-serif; font-size: 8pt">- UK</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>215,128</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>8,275</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>11,447</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>234,850</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>99,727</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>48,581</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>491</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>148,799</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>383,649</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: RN House Sans Light,sans-serif; font-size: 8pt">- Other Europe</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>12</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>12</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6,694</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>13,989</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>369</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>21,052</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>21,064</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: RN House Sans Light,sans-serif; font-size: 8pt">- RoW</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>8,603</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>13,530</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>464</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>22,597</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>22,597</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans by asset quality</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B><B><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(2)</FONT></B><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>215,140</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,275</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11,447</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>234,862</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>115,024</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,100</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,324</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>192,448</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>427,310</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ1-AQ4</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>118,453</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>124</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>887</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>119,464</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>44,200</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>70,744</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>913</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>115,857</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>235,321</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ5-AQ8</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>93,366</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>7,796</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9,353</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>110,515</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>68,382</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>5,217</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>129</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>73,728</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>184,243</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ9</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,163</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>130</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>204</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,497</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>251</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>265</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>519</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,016</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ10</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,158</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>225</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,003</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3,386</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,191</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>136</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>17</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,344</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>5,730</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>215,140</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,275</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11,447</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>234,862</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>115,024</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,100</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,324</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>192,448</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>427,310</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 1</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>190,571</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6,046</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>8,966</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>205,583</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>98,545</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>75,427</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,041</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>175,013</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>380,596</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 2</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>22,408</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,004</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,478</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>25,890</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>14,293</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>537</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>266</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>15,096</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>40,986</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 3</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,161</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>225</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,003</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3,389</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,186</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>136</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>17</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,339</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>5,728</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: RN House Sans Light,sans-serif; font-size: 8pt">- Of which: individual</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>154</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>26</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>181</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,241</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>17</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,381</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,562</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: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,007</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>224</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>977</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3,208</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>945</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>958</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4,166</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans - past due analysis</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>215,140</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,275</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11,447</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>234,862</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>115,024</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,100</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,324</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>192,448</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>427,310</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: RN House Sans Light,sans-serif; font-size: 8pt">- Not past due</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>211,764</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>7,987</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>10,421</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>230,172</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>111,908</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>75,826</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,307</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>189,041</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>419,213</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: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,614</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>64</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,754</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,869</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>150</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,019</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3,773</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: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>581</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>74</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>108</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>763</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>380</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>17</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>406</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,169</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: RN House Sans Light,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>55</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>104</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>568</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>105</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>65</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>170</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>738</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: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>772</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>95</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>738</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,605</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>762</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>50</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>812</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,417</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>22,408</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,004</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,478</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>25,890</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>14,293</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>537</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>266</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15,096</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>40,986</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: RN House Sans Light,sans-serif; font-size: 8pt">- Not past due</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>20,992</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,915</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,368</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>24,275</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>13,449</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>532</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>266</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>14,247</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>38,522</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: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,142</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>39</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,218</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>579</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>582</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,800</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: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>274</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>52</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>71</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>397</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>265</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>267</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>664</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Weighted average life</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: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- ECL measurement (years)</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>5</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>7</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>nm</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>7</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Weighted average 12 months PDs</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- IFRS 9 (%)</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.44</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3.46</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4.68</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.70</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.13</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.16</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9.34</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.80</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.75</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: RN House Sans Light,sans-serif; font-size: 8pt">- Basel (%)</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.66</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3.87</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3.35</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.87</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.06</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.15</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9.34</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.75</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.82</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>377</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>469</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,134</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,980</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,564</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>149</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>24</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,737</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,717</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: RN House Sans Light,sans-serif; font-size: 8pt">- UK</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>376</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,134</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,979</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,389</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>99</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,500</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3,479</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: RN House Sans Light,sans-serif; font-size: 8pt">- Other Europe</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>124</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>125</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: RN House Sans Light,sans-serif; font-size: 8pt">- RoW</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>60</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>41</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>12</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>113</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>113</I></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">For the notes to this table refer to page&nbsp;25.</P>

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


<!-- Field: Page; Sequence: 4; Value: 19 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->22<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Credit risk continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)"><B>Sector
analysis &ndash; portfolio summary continued</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Non-Personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 40%; background-color: white">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Credit</B></FONT></TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Other</B></FONT></TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Corporate and</B></FONT><B><FONT STYLE="font-size: 6pt; color: #5a287d"></FONT></B></TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Financial</B></FONT></TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="width: 6%; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Mortgages (1)</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&nbsp;</B></FONT><B><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">cards</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>personal</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>other</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>institutions</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Sovereign</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>377</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>469</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,134</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,980</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,564</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>149</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>24</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,737</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,717</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 1</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>55</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>175</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>351</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>235</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>286</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>637</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 2</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>185</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>184</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>415</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>326</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>340</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>755</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 3</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>276</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>163</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>775</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,214</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,003</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,111</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,325</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: RN House Sans Light,sans-serif; font-size: 8pt">- Of which: individual</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>14</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>13</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>28</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>511</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>99</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>616</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>644</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: RN House Sans Light,sans-serif; font-size: 8pt">- Of which: collective</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>262</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>162</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>762</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,186</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>492</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>3</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>495</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,681</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>ECL provisions coverage (%)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.18</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5.67</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>9.91</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.84</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.36</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.20</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.81</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.90</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>0.87</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 1 (%)</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.03</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2.00</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.95</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.17</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.24</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.05</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.25</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.16</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.17</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 2 (%)</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>0.21</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9.23</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>12.45</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.60</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2.28</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.68</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.88</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2.25</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1.84</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: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 3 (%)</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>12.77</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>72.44</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>77.27</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>35.82</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>45.88</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>75.00</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>35.29</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>47.50</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>40.59</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans by residual maturity</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>215,140</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,275</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11,447</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>234,862</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>115,024</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,100</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,324</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>192,448</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>427,310</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: RN House Sans Light,sans-serif; font-size: 8pt">- &le;1 year</FONT></I><I><FONT STYLE="font-size: 8pt">&nbsp;</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,115</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,515</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,969</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>7,599</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>32,738</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>55,837</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>362</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>88,937</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>96,536</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: RN House Sans Light,sans-serif; font-size: 8pt">- &gt;1 and &le;5 year</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>8,555</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>5,760</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6,800</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>21,115</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>50,610</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>15,618</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>516</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>66,744</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>87,859</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: RN House Sans Light,sans-serif; font-size: 8pt">- &gt;5 and &le;15 year</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>42,899</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,674</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>44,573</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>23,154</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4,510</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>288</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>27,952</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>72,525</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: RN House Sans Light,sans-serif; font-size: 8pt">- &gt;15 year</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>161,571</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>161,575</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>8,522</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>135</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>158</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>8,815</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>170,390</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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></B><B><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,440</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>25,091</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>124,670</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>154,201</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>154,201</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ1-AQ4</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4,386</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>24,996</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>124,670</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>154,052</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>154,052</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ5-AQ8</FONT></I></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>54</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>95</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>149</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>149</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15,073</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>23,265</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>7,666</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>46,004</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,836</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>21,560</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>491</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>98,887</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>144,891</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: RN House Sans Light,sans-serif; font-size: 8pt">- Loan commitments</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>15,073</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>23,265</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>7,629</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>45,967</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>73,984</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>20,073</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>491</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>94,548</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>140,515</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: RN House Sans Light,sans-serif; font-size: 8pt">- Financial guarantees</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>37</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>37</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,852</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,487</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4,339</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>4,376</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: white"><FONT STYLE="font-family: RN House Sans Light,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></B><B><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15,073</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>23,265</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>7,666</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>46,004</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,836</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>21,560</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>491</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>98,887</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>144,891</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ1-AQ4</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>14,212</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>471</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6,222</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>20,905</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>48,850</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>19,679</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>100</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>68,629</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>89,534</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ5-AQ8</FONT></I></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>850</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>22,701</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,401</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>24,952</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>27,599</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,837</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>15</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>29,451</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>54,403</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: RN House Sans Light,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>26</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>17</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>-</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>376</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>393</I></B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>419</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: RN House Sans Light,sans-serif; font-size: 8pt">- AQ10</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>11</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>81</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>29</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>121</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>370</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>44</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>414</I></B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>535</I></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">For the notes to this table refer to page&nbsp;25.</P>

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


<!-- Field: Page; Sequence: 5; Value: 19 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->23<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Credit risk continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)"><B>Sector
analysis &ndash; portfolio summary continued</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Personal</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: center"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Non-Personal</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Credit</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Other</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Corporate
and</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Financial</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Mortgages (1)</FONT></TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">cards</FONT></TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">personal</FONT></TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">other</FONT></TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">institutions</FONT></TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Sovereign</FONT></TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31 December&nbsp;2024</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans by geography</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">209,846</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,930</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">9,749</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">226,525</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">111,734</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">70,321</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,645</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">183,700</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">410,225</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- UK</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>209,846</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6,930</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>9,749</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>226,525</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>97,409</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>43,412</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>562</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>141,383</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>367,908</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Other Europe</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6,311</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>14,747</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>766</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>21,824</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- RoW</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>8,014</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12,162</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>317</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,493</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,493</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans by asset quality</B></FONT><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B><B><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(2)</FONT></B><B><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">209,846</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,930</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">9,749</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">226,525</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">111,734</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">70,321</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,645</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">183,700</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">410,225</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- AQ1-AQ4</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>113,209</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>128</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>818</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>114,155</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>43,918</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>65,078</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,365</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>110,361</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>224,516</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- AQ5-AQ8</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>92,946</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6,516</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>7,880</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>107,342</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>65,231</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5,172</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>127</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>70,530</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>177,872</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- AQ9</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,156</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>110</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>191</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,457</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>306</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>132</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>450</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- AQ10</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,535</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>176</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>860</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,571</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,279</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>59</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>21</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,359</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5,930</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans by stage</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">209,846</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,930</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">9,749</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">226,525</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">111,734</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">70,321</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,645</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">183,700</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">410,225</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 1</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>186,250</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4,801</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>7,267</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>198,318</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>94,991</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>69,021</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,491</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>165,503</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>363,821</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 2</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>21,061</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,953</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,622</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>24,636</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>14,464</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,241</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>133</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>15,838</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>40,474</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 3</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,535</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>176</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>860</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,571</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,279</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>59</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>21</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,359</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5,930</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Of which: individual</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>141</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>26</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>167</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,046</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>51</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>21</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,118</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,285</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Of which: collective</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,394</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>176</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>834</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,404</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,233</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>8</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,241</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4,645</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans - past due analysis</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">209,846</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,930</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">9,749</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">226,525</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">111,734</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">70,321</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,645</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">183,700</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">410,225</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Not past due</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>206,739</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6,721</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>8,865</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>222,325</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>107,855</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>70,055</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,627</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>179,537</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>401,862</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Past due 1-30 days</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,404</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>50</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>70</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,524</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,530</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>211</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,741</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4,265</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Past due 31-90 days</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>580</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>51</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>99</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>730</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>398</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>18</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>418</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,148</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Past due 91-180 days</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>408</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>41</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>96</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>545</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>139</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>49</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>188</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Past due &gt;180 days</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>715</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>67</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>619</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,401</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>812</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>816</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,217</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans - Stage 2</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21,061</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,953</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,622</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24,636</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">14,464</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,241</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">133</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">15,838</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">40,474</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Not past due</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>19,939</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,889</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,521</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>23,349</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>13,485</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,228</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>133</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>14,846</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>38,195</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Past due 1-30 days</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>853</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>31</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>37</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>921</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>640</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>11</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>651</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,572</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Past due 31-90 days</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>269</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>33</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>64</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>366</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>339</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>341</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>707</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Weighted average life</B></FONT></TD>
    <TD COLSPAN="11" STYLE="white-space: nowrap">&nbsp;</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;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- ECL measurement (years)</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>8</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>nm</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Weighted average 12 months PDs</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="10" STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- IFRS 9 (%)</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.51</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3.23</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4.59</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.76</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1.24</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.16</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5.51</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.86</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.80</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Basel (%)</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.68</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3.65</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3.18</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.87</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1.11</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.15</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4.16</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.76</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.82</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>ECL provisions by geography</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">462</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">381</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">969</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,812</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,504</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,613</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,425</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- UK</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>462</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>381</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>969</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,812</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,335</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>37</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,384</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,196</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Other Europe</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>109</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>9</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>118</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- RoW</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>60</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>44</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>7</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>111</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>111</I></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">For the notes to this table refer to the following page.</P>

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

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

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)">Credit
risk continued&nbsp;</FONT></P>

<P STYLE="font: 4pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Sector analysis &ndash;
portfolio summary continued</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: center"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Personal</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: center"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Non-Personal</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 8%">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Credit</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 8%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Corporate
    and</FONT><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Financial</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Mortgages (1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">cards</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">personal</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">other</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">institutions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Sovereign</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31 December&nbsp;2024</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,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="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">462</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">381</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">969</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,812</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,504</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,613</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,425</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    Stage 1</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>77</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>77</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>130</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>284</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>264</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>38</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>314</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>598</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    Stage 2</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>60</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>186</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>183</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>429</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>344</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>358</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>787</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    Stage 3</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>325</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>118</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>656</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,099</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>896</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>40</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>941</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,040</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    Of which: individual</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>11</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>17</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>28</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>382</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>36</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>423</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Of which: collective</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>314</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>118</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>639</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,071</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>514</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>518</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,589</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(%)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.22</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5.50</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">9.94</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.80</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.35</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.13</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.16</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.88</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">0.83</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    Stage 1 (%)</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.04</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1.60</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1.79</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.14</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.28</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.06</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.80</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.19</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.16</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    Stage 2 (%)</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.28</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>9.52</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>11.28</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1.74</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2.38</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>0.97</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1.50</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2.26</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Stage 3 (%)</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12.82</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>67.05</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>76.28</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>30.78</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>39.32</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>67.80</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>23.81</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>39.89</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>34.40</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans by residual maturity</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">209,846</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,930</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">9,749</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">226,525</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">111,734</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">70,321</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,645</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">183,700</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">410,225</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    &le;1 year</FONT></I><I><FONT STYLE="font-size: 8pt">&nbsp;</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,367</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,903</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,186</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>10,456</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>34,929</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>54,971</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>822</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>90,722</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>101,178</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    &gt;1 and &le;5 year</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>11,651</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,027</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5,551</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,229</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>48,075</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>10,967</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>488</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>59,530</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>79,759</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    &gt;5 and &le;15 year</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>45,454</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,006</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>46,460</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,623</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4,270</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>298</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>25,191</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    &gt;15 year</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>149,374</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>149,380</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>8,107</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>113</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>37</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>8,257</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>157,637</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,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></B><B><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,644</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31,102</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">119,502</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">154,248</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">154,248</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    AQ1-AQ4</FONT></I></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,639</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>30,743</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>119,502</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>153,884</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- AQ5-AQ8</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>5</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>359</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>364</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>364</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Off-balance sheet</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13,806</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">20,135</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">7,947</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41,888</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">75,964</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21,925</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">239</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">98,128</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">140,016</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    Loan commitments</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>13,806</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,135</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>7,906</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>41,847</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>72,940</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,341</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>239</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>93,520</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- Financial guarantees</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>41</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>41</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,024</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,584</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4,608</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>4,649</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: RN House Sans Light,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></B><B><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(2)</FONT></B></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13,806</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">20,135</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">7,947</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41,888</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">75,964</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21,925</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">239</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">98,128</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">140,016</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    AQ1-AQ4</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12,951</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>510</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6,568</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,029</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>47,896</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>20,063</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>155</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>68,114</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>88,143</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    AQ5-AQ8</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>839</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>19,276</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,336</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>21,451</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>27,657</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,813</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>21</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>29,491</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>50,942</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt"><I>&nbsp;</I></FONT><I> <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    AQ9</FONT></I><I><FONT STYLE="font-size: 8pt">&nbsp;</FONT></I></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>12</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>17</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>30</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>19</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>63.0</I></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>82</I></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><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"><I>&nbsp;</I></FONT><I>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- AQ10</FONT></I></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>15</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>337</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>26</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>378</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>392</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>49</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>-</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>441</I></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>819</I></FONT></TD></TR>
  </TABLE>
<P STYLE="font-size: 7pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>Includes a portion of Private Banking&nbsp;&amp; Wealth Management lending
                                            secured against residential real estate, in line with ECL calculation methodology. Private
                                            Banking&nbsp;&amp; Wealth Management and RBS International mortgages are reported in UK,
                                            reflecting the country of lending origination and includes crown dependencies.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>AQ bandings are based on Basel PDs and mapping is as follows:</TD></TR></TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 80%; border-collapse: collapse; margin-right: 1in; margin-left: 0.25in">
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid; width: 17%"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Internal
    asset quality band</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 17%"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Probability
    of default range</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 14%"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Indicative
    S&amp;P rating</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 17%"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Internal
    asset quality band</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 17%"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Probability
    of default range</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 17%"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Indicative
    S&amp;P rating</FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ1</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">0% - 0.034%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AAA to AA</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ6</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">1.076% - 2.153%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">BB- to B+</FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ2</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">0.034% - 0.048%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AA to AA-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ7</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2.153% - 6.089%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">B+ to B</FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ3</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">0.048% - 0.095%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">A+ to A</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ8</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">6.089% - 17.222%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">B- to CCC+</FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ4</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">0.095% - 0.381%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">BBB+ to BBB-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ9</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">17.222% - 100%</FONT></TD>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">CCC to C</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ5</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">0.381% - 1.076%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">BB+ to BB</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">AQ10</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">100%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">D</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;&nbsp;</P>


<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 25 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->25<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Credit risk continued</FONT></P>
<P STYLE="font: 4pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>
<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)"><B>Sector
analysis &ndash; portfolio summary continued</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,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: 6pt Calibri, 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; background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Loans
    - amortised cost and FVOCI</B></FONT></TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Off-balance
    sheet</B></FONT><B><FONT STYLE="font-size: 6pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>ECL
    provisions</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Loan</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Contingent</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 18%; background-color: white">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Stage
    1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Stage
    2</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Stage
    3</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>commitments</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>liabilities</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 1%; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Stage
    1</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Stage
    2</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Stage
    3</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>30
    September&nbsp;2025</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 8pt">Personal</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>205,583</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>25,890</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,389</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>234,862</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>45,967</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>37</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>351</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>415</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,214</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,980</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Mortgages</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(1)</FONT></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>190,571</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>22,408</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,161</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>215,140</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15,073</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>55</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>46</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>276</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>377</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Credit
    cards</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,046</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,004</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>225</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,275</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>23,265</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>121</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>185</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>163</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>469</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,966</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,478</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,003</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11,447</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>7,629</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>37</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>175</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>184</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>775</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,134</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Non-Personal</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>175,013</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15,096</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,339</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>192,448</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>94,548</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,339</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>286</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>340</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,111</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,737</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Financial
    institutions</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(2)</FONT></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>75,427</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>537</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>136</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76,100</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20,073</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,487</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>9</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>102</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>149</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Sovereign</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,041</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>266</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,324</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>491</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>13</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>24</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Corporate
    and other</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>98,545</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>14,293</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,186</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>115,024</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>73,984</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,852</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>235</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>326</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,003</B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,564</B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Of
    which:</I></FONT></TD>
    <TD COLSPAN="12" STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 15.25pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Commercial
    real estate</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>17,277</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,372</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>344</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>18,993</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>6,590</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>160</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>61</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>26</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>135</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>222</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 15.25pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Mobility
    and logistics</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>14,997</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>1,989</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>105</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>17,091</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>9,808</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>498</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>26</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>34</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>43</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>103</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; background-color: white; padding-left: 15.25pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Consumer
    industries</I></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>12,755</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>2,686</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>414</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>15,855</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>11,330</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>534</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>34</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>72</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>208</I></B></FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B><I>314</I></B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>380,596</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>40,986</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,728</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>427,310</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>140,515</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,376</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>637</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>755</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,325</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,717</B></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>
    <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-bottom: black 1pt solid; width: 18%"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31
    December&nbsp;2024</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 8%">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Personal</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">226,525</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41,847</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">1,812</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Mortgages</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(1)</FONT></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">186,250</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21,061</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,535</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">209,846</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13,806</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">77</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">60</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">325</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">462</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Credit
    cards</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,801</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,953</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">176</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,930</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">20,135</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">77</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">186</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">118</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">381</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">9,749</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">7,906</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 8pt">969</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Non-Personal</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">165,503</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">15,838</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,359</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">183,700</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">93,520</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,608</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">314</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">358</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">941</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,613</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Financial
    institutions</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(2)</FONT></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">69,021</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,241</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">59</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">70,321</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">20,341</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,584</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">38</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">40</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Sovereign</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,491</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">133</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,645</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">239</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Corporate
    and other</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">94,991</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">14,464</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,279</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">111,734</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">72,940</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,024</FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">264</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">344</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">896</FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,504</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 7.75pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Of
    which:</I></FONT></TD>
    <TD COLSPAN="12" STYLE="white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 15.25pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Commercial
    real estate</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>16,191</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>1,517</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>433</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>18,141</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>6,661</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>143</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>70</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>30</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>146</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>246</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 15.25pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Mobility
    and logistics</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>13,363</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>2,384</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>148</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>15,895</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>9,367</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>595</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>26</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>35</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>67</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>128</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="white-space: nowrap; padding-left: 15.25pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>Consumer
    industries</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>13,312</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>3,015</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>444</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>16,771</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>10,706</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>595</I></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>45</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>90</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>188</I></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt"><I>323</I></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">363,821</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">40,474</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,930</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">410,225</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">135,367</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,649</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">598</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">787</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,040</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,425</FONT></TD></TR>
  </TABLE>
<P STYLE="font-size: 7pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>As at 30 September&nbsp;2025, &pound;141.8 billion, 65.9%, of the total
                                            residential mortgages portfolio had Energy Performance Certificate (EPC) data available (31
                                            December&nbsp;2024 &ndash; &pound;139.1 billion, 66.3%). Of which, 48.3% were rated as EPC
                                            A to C (31 December&nbsp;2024 &ndash; 46.3%).</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Includes transactions, such as securitisations, where the underlying
                                            risk may be in other sectors.</TD></TR></TABLE>

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


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

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued&nbsp;</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp1_006"></A>Capital,
liquidity and funding risk</FONT></P>
<P STYLE="font: 4pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>
<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)"><B>Introduction</B></FONT><B>
</B></P>

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

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

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Key developments since 31
December&nbsp;2024</B></FONT></P>

<DIV STYLE="font-size: 5pt; float: left; width: 49%"><P STYLE="font: 5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-top: #BFBFBF 1pt solid; font-family: Arial, Helvetica, Sans-Serif; border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt; width: 28%; background-color: #F2EAF9"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>CET1
                                            ratio</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">14.2%</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2024
    - 13.6%)</FONT></P></TD>
    <TD STYLE="border-top: #BFBFBF 1pt solid; border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt; width: 72%"><P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">The CET1 ratio increased by 60 basis points to 14.2% due to
    a &pound;1.8 billion increase in CET1 capital offset by a &pound;5.9 billion increase in RWAs.</P>
    <P STYLE="font: 4pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">The CET1 capital increase was mainly driven by an attributable
    profit to ordinary shareholders of &pound;3.3 billion (net of ordinary interim dividend paid) and other movements on reserves and
    regulatory adjustments of &pound;0.5 billion partially offset by a share buyback of &pound;0.8 billion and a foreseeable ordinary
    dividend accrual of &pound;1.3 billion.</P>
    <P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P></TD>
    </TR>
  <TR STYLE="font: 7pt Courier New, Courier, Monospace">
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Courier New, Courier, Monospace"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 1pt 5.4pt 2.5pt; background-color: #F2EAF9"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>RWAs</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&pound;189.1bn</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2024
    - &pound;183.2bn)</FONT></P></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt"><P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">Total RWAs increased by &pound;5.9 billion to &pound;189.1 billion
    reflecting:</P>
    <P STYLE="font: 4pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -17.85pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&ndash;</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-family: RN House Sans Light,sans-serif">an
increase in credit risk RWAs of &pound;3.8 billion, primarily driven by lending growth, balances acquired from Sainsbury's Bank and CRD
IV model updates. These increases were partially offset by, reductions as a result of RWA management actions, movements in risk metrics
and the impact of foreign exchange movements.</FONT></P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 17.85pt; text-indent: -17.85pt"><P STYLE="font: 4pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&ndash;<FONT STYLE="font-family: Times New Roman, Times, Serif">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif">an
increase in operational risk RWAs of &pound;2.2 billion following the annual recalculation.</FONT></P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><P STYLE="font: 4pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&ndash;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif">an
    increase in counterparty credit risk RWAs of &pound;0.3 billion driven by an increase in securities financing transactions and over-the-counter
    transactions under the IMM approach.</FONT></P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><P STYLE="font: 4pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&ndash;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif">a
    decrease in market risk RWAs of &pound;0.4 billion, driven by the IRC, reflecting changes in government bond positions and RNIV.</FONT></P>
    <P STYLE="font: 8.5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: RN House Sans Light,sans-serif">&nbsp;</FONT></P></TD>
    </TR>
  <TR STYLE="font: 7pt Courier New, Courier, Monospace">
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Arial, Helvetica, Sans-Serif; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Courier New, Courier, Monospace"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 1pt 5.4pt 2.5pt; background-color: #F2EAF9"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>UK
                                            leverage ratio</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">5.0%</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2024
    - 5.0%)</FONT></P></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">The
    leverage ratio remained stable at 5.0% due to a &pound;2.4 billion increase in Tier 1 capital offset by a &pound;41.4 billion increase
    in leverage exposure. The key drivers in the leverage exposure were an increase in other financial assets, trading assets, net settlement
    balances and other off balance sheet items.</FONT></TD>
    </TR>
  </TABLE>

</DIV>

<DIV STYLE="float: right; width: 49%"><P STYLE="font: 5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-top: #BFBFBF 1pt solid; font-family: Arial, Helvetica, Sans-Serif; border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt; background-color: #F2EAF9"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>MREL
                                            ratio</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">33.3%</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2024
    - 33.0%)</FONT></P></TD>
    <TD STYLE="border-top: #BFBFBF 1pt solid; border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt"><P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">The Minimum Requirements of own funds and Eligible Liabilities
    (MREL) ratio increased by 30 basis points driven by a &pound;2.5 billion increase in MREL partially offset by a &pound;5.9 billion
    increase in RWAs.</P>
    <P STYLE="font: 4pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0">MREL increased to &pound;62.9 billion driven by a &pound;1.8
    billion increase in CET1 capital, a &pound;0.5 billion increase in Additional Tier 1 capital, a &pound;0.2 billion decrease in Tier
    2 capital, and a &pound;0.3 billion increase in senior unsecured debt. Additional Tier 1 and Tier 2 capital movements were driven
    by issuance and redemptions in the period. The senior unsecured debt movement was driven by issuance and redemptions totalling &pound;2.1
    billion partially offset by a $1.5 billion debt instrument no longer being MREL eligible and foreign exchange movements of &pound;0.7
    billion.</P>
    <P STYLE="font: 8.5pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="font: 7pt Courier New, Courier, Monospace">
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Arial, Helvetica, Sans-Serif; width: 28%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Courier New, Courier, Monospace; width: 72%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 1pt 5.4pt 2.5pt; background-color: #F2EAF9"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Liquidity
                                            portfolio</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&pound;239.1bn</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2024
    - &pound;222.3bn)</FONT></P></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">The liquidity portfolio increased by &pound;16.8 billion to &pound;239.1 billion compared with Q4 2024. Primary liquidity decreased by &pound;2.0 billion to &pound;159.0 billion, driven by higher lending (including balances acquired from Sainsbury&rsquo;s Bank), partially offset by increased issuance. Secondary liquidity increased by &pound;18.8 billion due to increase in pre-positioned collateral at the Bank of England.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="font: 7pt Courier New, Courier, Monospace">
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Courier New, Courier, Monospace"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="padding: 1pt 5.4pt 2.5pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>LCR
                                            average</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">148%</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2024
    - 151%)</FONT></P></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt; background-color: white"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt; color: black">The average Liquidity Coverage Ratio (LCR) decreased by 3 percentage points to 148%, during 2025, driven by increased lending.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt; color: black">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="font: 7pt Courier New, Courier, Monospace">
    <TD STYLE="border-top: #BFBFBF 1pt solid; border-bottom: #BFBFBF 1pt solid; font: 7pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font: 7pt Courier New, Courier, Monospace"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&nbsp;</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding: 1pt 5.4pt 2.5pt; background-color: #F2EAF9"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>NSFR
                                            average</B></FONT></P>
    <P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">135%</FONT></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2024
    - 137%)</FONT></P></TD>
    <TD STYLE="border-bottom: #BFBFBF 1pt solid; padding: 1pt 5.4pt 2.5pt; background-color: white"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt; color: black">The average Net Stable Funding Ratio (NSFR) decreased by 2 basis points to 135% during 2025 driven by increased lending.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt; color: black">&nbsp;</FONT></P></TD></TR>
  </TABLE>

</DIV>

<DIV STYLE="clear: both; width: 100%"><P STYLE="font: 5pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

</DIV>


<!-- Field: Page; Sequence: 3; Value: 25 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->27<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued&nbsp;</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Capital, liquidity and funding
risk continued</FONT></P>
<P STYLE="font: 4pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>
<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Maximum Distributable Amount
(MDA) and Minimum Capital Requirements</B></FONT><B> </B></P>

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

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

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

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

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

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

<P STYLE="font: 7pt Calibri, 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="border-bottom: black 1pt solid; padding-top: 1pt; width: 58%; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Type</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; width: 14%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>CET1</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; width: 14%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total
    Tier 1</B></FONT><B><FONT STYLE="font-size: 6pt; color: #5a287d">&nbsp;</FONT></B></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; width: 14%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Total
    capital</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Pillar
    1 requirements</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6.0%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8.0%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Pillar
    2A requirements</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.6%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.1%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.9%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Minimum
    Capital Requirements</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6.1%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8.1%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10.9%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Capital
    conservation buffer</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.5%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2.5%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Countercyclical
    capital buffer</FONT><FONT STYLE="font-size: 6pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(1)</FONT>&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.7%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.7%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.7%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">MDA
    threshold</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10.3%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>n/a</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>n/a</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Overall
    capital requirement</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10.3%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12.3%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15.1%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Capital
    ratios at 30 September&nbsp;2025</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>14.2%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17.2%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20.2%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Headroom</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(3,4)</FONT><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3.9%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4.9%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5.1%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font-size: 5pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The UK countercyclical buffer (CCyB) rate is currently being maintained
                                            at 2%. This may vary in either direction in the future subject to how risks develop. Foreign
                                            exposures may be subject to different CCyB rates depending on the rate set in those jurisdictions.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Pillar 2A requirements for NatWest Group are set as a variable amount
                                            with the exception of some fixed add-ons.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>The headroom does not reflect excess distributable capital and may vary
                                            over time.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD>Headroom as at 31 December&nbsp;2024 was CET1 3.1%, Total Tier 1 3.9%
                                            and Total Capital 4.3%.</TD></TR></TABLE>

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

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Leverage ratios</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,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: 6pt Calibri, 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="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; width: 72%; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Type</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; width: 14%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>CET1</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; width: 14%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total
    Tier 1</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Minimum
    ratio</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.44%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.25%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Countercyclical
    leverage ratio buffer</FONT><FONT STYLE="font-size: 8pt; color: #5a287d">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.6%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.6%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.04%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.85%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Liquidity and funding ratios</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,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: 6pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; width: 86%; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Type</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; width: 14%; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Liquidity
    Coverage Ratio (LCR)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>100%</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net
    Stable Funding Ratio (NSFR)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>100%</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 4; Value: 25 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->28<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued&nbsp;</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Capital, liquidity and funding
risk continued</FONT></P>
<P STYLE="font: 4pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>
<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Capital and leverage ratios</B></FONT><B>
</B></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The tables below show key prudential metrics calculated in accordance
with current PRA rules.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 58%; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 14%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 14%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 14%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 6pt; color: #5a287d">(1)</FONT></B></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>%</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">%</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">CET1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>14.2</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.6</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.6</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Tier 1</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">16.7</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">16.5</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20.2</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.7</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.7</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Capital</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Tangible equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>29,093</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">28,416</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">26,482</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Expected loss less
    impairment</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(35)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(27)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Prudential valuation
    adjustment</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(172)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(210)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(230)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Deferred tax assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(834)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(935)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,084)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own credit adjustments</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>34</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">28</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Pension fund assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(163)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(157)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(147)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cash flow hedging reserve</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>886</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">971</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,443</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Foreseeable ordinary
    dividends</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,275)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,244)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,249)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjustment for trust
    assets</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(2)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(365)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(365)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(365)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Foreseeable charges</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(446)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(750)</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjustments under IFRS
    9 transitional arrangements</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">33</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other adjustments for
    regulatory purposes</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>46</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">49</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">44</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    regulatory adjustments</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2,324)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2,617)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,554)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">CET1
    capital</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>26,769</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">25,799</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24,928</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Additional
    AT1 capital</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,771</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,005</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,259</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Tier 1 capital</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>32,540</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31,804</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">30,187</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Tier
    2 capital</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,752</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,727</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,918</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    regulatory capital</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>38,292</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">37,531</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">36,105</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Risk-weighted
    assets</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Credit risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>151,945</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">152,785</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">148,078</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Counterparty credit
    risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>7,397</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">7,626</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">7,103</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Market risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,825</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,777</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">6,219</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operational
    risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>23,959</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">23,959</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21,821</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    RWAs</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>189,126</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">190,147</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">183,221</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The IFRS 9 transitional capital rules&nbsp;in respect of ECL provisions
                                            no longer apply as of 1 January&nbsp;2025. (The impact of the IFRS 9 transitional adjustments
                                            at 31 December&nbsp;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&nbsp;2024, the
                                            CET1 ratio was 13.6%, Tier 1 capital ratio was 16.5% and the Total capital ratio was 19.7%).</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD>Prudent deduction in respect of agreement with the pension fund to establish
                                            legal structure to remove dividend linked contribution.</TD></TR>
<TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD>For September&nbsp;2025, the foreseeable charge of &pound;446 million
                                            relates to a share buyback.</TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 5; Value: 25 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Risk and capital management continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Capital, liquidity and funding
risk continued</FONT></P>
<P STYLE="font: 4pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>
<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Capital and leverage ratios
continued</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-top: 1pt; width: 58%; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 14%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 14%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 14%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Leverage</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 6pt">&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: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cash and balances at
    central banks</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>84,686</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90,706</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">92,994</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Trading assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>56,856</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">56,706</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">48,917</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>61,119</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">73,010</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">78,406</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Financial assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>494,874</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">486,305</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">469,599</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other
    assets</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>28,100</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24,051</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18,069</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    assets</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>725,635</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">730,778</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">707,985</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- netting and variation margin</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(58,580)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(69,191)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(76,101)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">- potential future exposures</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17,690</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">16,831</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">16,692</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Securities financing
    transactions gross up</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,841</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,510</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,460</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other off balance sheet
    items</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>63,394</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">62,497</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">59,498</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Regulatory deductions
    and other adjustments</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(18,124)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(17,869)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(11,014)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Claims on central banks</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(81,179)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(87,228)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(89,299)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Exclusion
    of bounce back loans</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,457)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,777)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(2,422)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">UK
    leverage exposure</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>649,220</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">635,551</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">607,799</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">UK
    leverage ratio (%)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5.0</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5.0</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5.0</FONT></TD></TR>
  </TABLE>
<P STYLE="font-size: 5pt; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt RN House Sans Light,sans-serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The UK leverage exposure and transitional Tier 1 capital are calculated
                                            in accordance with current PRA rules. The IFRS 9 transitional capital rules&nbsp;in respect
                                            of ECL no longer apply as of 1 January&nbsp;2025. (Excluding the IFRS 9 transitional adjustment,
                                            the UK leverage ratio at 31 December&nbsp;2024 was 5.0%).</TD></TR></TABLE>

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

<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 6; Value: 25 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->30<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 6pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Split-Segment; Name: 5 -->
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">Risk
and capital management continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">Capital,
liquidity and funding risk continued&nbsp;</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 5pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><B>Capital
flow statement </B>&nbsp;</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The table
below analyses the movement in CET1, AT1 and Tier 2 capital for the nine months ended 30 September&nbsp;2025.</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 68%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>CET1</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>AT1</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Tier
    2</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At
    31 December&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24,928</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,259</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,918</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>36,105</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Attributable profit for
    the period</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,086</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,086</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary interim dividend
    paid</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(768)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(768)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share buyback&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(750)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(750)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreseeable ordinary
    dividends&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,275)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,275)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange reserve</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI reserve</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>81</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>81</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Own credit</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share based remuneration
    and shares vested under employee share schemes</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>190</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>190</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Goodwill and intangibles
    deduction</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>113</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>113</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Deferred tax assets</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>250</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>250</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Prudential valuation
    adjustments</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>58</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>58</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">New issues of capital
    instruments</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,244</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>823</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2,067</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Redemption of capital
    instruments</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(109)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(732)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,000)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1,841)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movements</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Adjustment under IFRS
    9 transitional arrangements</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(33)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(33)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Expected loss less impairment</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(8)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(8)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other movements</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At
    30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26,769</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,771</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,752</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>38,292</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">For
                                            CET1 movements refer to the key points on page&nbsp;27.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><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&nbsp;2025 and the &pound;0.5
                                            billion 7.625% Reset Perpetual Subordinated Contingent Convertible Additional Tier 1 Capital
                                            Notes issued in September&nbsp;2025 offset by the redemption of $1.15 billion 8.000% Perpetual
                                            Subordinated Contingent Convertible Additional Tier 1 Capital Notes in August&nbsp;2025.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier
                                            2 movements of &pound;0.2 billion include a decrease of &pound;1.0 billion due to the redemption
                                            of 3.622% Fixed to Fixed Rate Reset Tier 2 Notes due 2030 in May&nbsp;2025 partially offset
                                            by an increase of &pound;0.8 billion for a &euro;1.0 billion 3.723% Fixed to Fixed Rate Reset
                                            Tier 2 Notes 2035 issued in February&nbsp;2025 and foreign exchange movements. </FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><B>Capital
generation pre-distributions</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; text-align: right; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 76%; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 8%; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; text-align: right; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; text-align: right; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">CET1&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>26,769</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">25,799</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">24,928</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">CET1
    capital pre-distributions&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>29,562</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">27,793</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28,920</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">RWAs&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>189,126</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">190,147</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">183,221</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&nbsp;%&nbsp;</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;%&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;%&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">CET1
    ratio - opening at 1 January</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.61</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.61</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13.36</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">CET1 pre-distributions
    - closing</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>15.63</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.62</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.78</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Capital
    generation pre-distributions&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.02</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1.01</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2.43</FONT></TD></TR>
  </TABLE>
<P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The calculation
                                            of capital generation pre-distributions uses CET1 capital pre-distributions. Distributions
                                            includes ordinary dividends paid, foreseeable ordinary dividends and share buybacks.</FONT></TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 31 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->31<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">Risk
and capital management continued</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 15pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">Capital,
liquidity and funding risk continued&nbsp;</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 5pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><B>Risk-weighted
assets</B>&nbsp;</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
table below analyses the movement in RWAs for the nine months ended 30 September&nbsp;2025, by key drivers.</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 59%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Counterparty</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Operational</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 9%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>risk</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total&nbsp;</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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 STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At
    31 December&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>148.1</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.1</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6.2</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>21.8</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>183.2</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movement</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.3)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.3)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Business movement</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.4)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.0</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk parameter changes</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.9)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.9)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Model updates</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.4</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.1</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.5</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Acquisitions</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At
    30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>151.9</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.4</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5.8</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24.0</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>189.1</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 60%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Private
    Banking</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 8%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total&nbsp;</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&nbsp;&amp;
    Wealth</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Commercial&nbsp;</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Central
    items&nbsp;</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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 STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Management</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&amp;
    Institutional&nbsp;</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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 STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Total
    RWAs</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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 STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At
    31 December&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>65.5</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.0</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>104.7</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.0</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>183.2</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Foreign exchange movement</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.3)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.3)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Business movement</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.4</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.4)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3.0</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Risk parameter changes&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(1.1)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(0.9)</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Model updates</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2.5</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Acquisitions</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>At
    30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>69.1</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.4</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>107.0</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>189.1</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Credit
    risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>60.0</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9.8</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>80.7</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.4</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>151.9</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Counterparty
    credit risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7.4</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Market
    risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5.8</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Operational
    risk</FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8.7</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13.5</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>0.2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>24.0</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    RWAs</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>69.1</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11.4</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>107.0</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1.6</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>189.1</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">
    <TD COLSPAN="6" STYLE="padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Total RWAs
increased by &pound;5.9 billion to &pound;189.1 billion during the period mainly reflecting:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A
                                            reduction in risk-weighted assets from foreign exchange movements of &pound;0.3 billion due
                                            to sterling appreciation versus the US dollar and euro.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            increase in business movements of &pound;3.0 billion, driven by the annual recalculation
                                            of operational risk, an increase in credit risk due to lending growth partially offset by
                                            reductions as a result of RWA management actions. Further increase seen in counterparty credit
                                            risk driven by securities financing and OTC transactions partially offset by a decrease in
                                            market risk driven by IRC and RNIV.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">A
                                            reduction in risk parameters of &pound;0.9 billion primarily driven by movements in risk
                                            metrics within Commercial&nbsp;&amp; Institutional and Retail Banking.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            increase in model updates of &pound;2.5 billion primarily driven by CRD IV model updates
                                            within Commercial&nbsp;&amp; Institutional and Retail Banking. </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&ndash;</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">An
                                            increase in acquisitions of &pound;1.6 billion driven by balances acquired from Sainsbury&rsquo;s
                                            Bank.</FONT></TD></TR></TABLE>

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


<!-- Field: Page; Sequence: 2; Value: 31 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->32<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">Risk
and capital management continued&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 15pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">Capital,
liquidity and funding risk continued&nbsp;</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 5pt; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><B>Liquidity
portfolio&nbsp;</B></FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The table
below shows the composition of the liquidity portfolio with primary liquidity aligned to high-quality liquid assets on a regulatory LCR
basis. Secondary liquidity comprises of assets which are eligible as collateral for local central bank liquidity facilities and do not
form part of the LCR eligible high-quality liquid assets. High-quality liquid assets cover both Pillar 1 and Pillar 2 risks.</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="11" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Liquidity
    value</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30
    September&nbsp;2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June&nbsp;2025</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December&nbsp;2024</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 35%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>NatWest</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>NWH</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>UK
    DoL</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 1%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NWH</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">UK
    DoL</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 1%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NatWest</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">NWH</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">UK
    DoL</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Group
    (1)</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Group
    (2)</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Sub</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group
    (1)</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group
    (2)</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Sub&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group
    (1)</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Group
    (2)</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Sub&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash
    and balances at central banks&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;80,489</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;51,277</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;50,666</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;86,589</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;55,027</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;54,353</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;88,617</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;58,313</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;57,523</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">High
    quality government/MDB/PSE and GSE bonds&nbsp;(3)</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;65,588</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;47,194</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;47,194</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;61,527</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;44,580</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;44,580</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;58,818</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;43,275</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;43,275</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><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; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;4,613</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;4,613</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;4,613</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;4,494</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;4,494</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;4,494</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;4,341</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;4,340</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;4,340</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">LCR
    level 1 assets</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;150,690</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;103,084</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;102,473</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;152,610</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;104,101</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;103,427</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;151,776</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;105,928</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;105,138</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">LCR
    level 2 Eligible Assets&nbsp;(4)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;8,332</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;7,397</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;7,397</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;7,985</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;6,880</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;6,880</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;9,271</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;7,957</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;7,957</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Primary
    liquidity (HQLA)&nbsp;(5)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;159,022</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;110,481</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;109,870</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;160,595</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;110,981</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;110,307</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;161,047</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;113,885</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;113,095</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Secondary
    liquidity</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;80,051</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;80,023</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;80,023</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;55,997</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;55,969</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;55,969</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;61,230</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;61,200</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;61,200</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    liquidity value</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;239,073</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;190,504</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>&nbsp;189,893</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;216,592</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;166,950</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;166,276</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;222,277</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;175,085</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;174,295</FONT></TD></TR>
  </TABLE>
<P STYLE="font-family: Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 5pt">&nbsp;</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">NatWest Group
                                            includes the UK Domestic Liquidity Sub-Group (UK DoLSub), NatWest Markets Plc and other significant
                                            operating subsidiaries that hold liquidity portfolios. These include RBSI Ltd and NWM N.V.
                                            who hold managed portfolios that comply with local regulations that may differ from PRA rules.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2)</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">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></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(3)</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Multilateral
                                            development bank abbreviated to MDB, public sector entities abbreviated to PSE and government
                                            sponsored entities abbreviated to GSE.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(4)</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Includes Level
                                            2A and Level 2B.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 6pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
<TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0"></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(5)</FONT></TD><TD STYLE="font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">High-quality
                                            liquid assets abbreviated to HQLA.</FONT></TD></TR></TABLE>

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

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

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><A NAME="sp1_007"></A>Pension
risk</FONT></P>

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">On 8 August&nbsp;2025,
the Trustee of the Main section of the NatWest Group Pension Fund entered into a buy-in transaction with a third-party insurer for some
of its liabilities. This is an insurance policy that gives the Fund protection against demographic and investment risks, so improves
the security of member benefits. The transaction did not affect the 2025 statement of comprehensive income because the net pension asset
was limited to zero due to the impact of the asset ceiling.</FONT></P>

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


<!-- Field: Page; Sequence: 3; Value: 31 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->33<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="sp1_008"></A><FONT STYLE="color: rgb(90,40,125)">Condensed
consolidated income statement</FONT></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">for
the period ended 30 September&nbsp;2025 (unaudited)</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">
    <TD STYLE="padding-bottom: 1pt; text-align: center; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>Nine
    months ended</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; text-align: center; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; width: 64%; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; width: 1%; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>2025&nbsp;</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>2025&nbsp;</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>&pound;m</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: rgb(90,40,125)"><B>&pound;m</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Interest
    receivable</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>19,155&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">18,734&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>6,482&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,358&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,444&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Interest
    payable</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(9,767)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(10,427)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(3,214)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,264)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,545)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Net
    interest income</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>9,388&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,307&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>3,268&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,094&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,899&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Fees
    and commissions receivable</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>2,412&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,378&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>804&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">806&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">811&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Fees
    and commissions payable</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(552)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(529)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(184)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(179)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(181)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading
    income</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>974&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">607&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>399&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">291&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">257&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    operating income</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>95&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">115&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>45&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(7)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(42)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Non-interest
    income</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>2,929&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,571&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>1,064&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">911&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">845&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total
    income</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>12,317&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10,878&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>4,332&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,005&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,744&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Staff
    costs</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(3,193)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,112)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(1,064)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,060)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(965)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Premises
    and equipment</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(906)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(863)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(319)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(293)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(284)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    administrative expenses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(1,060)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,153)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(315)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(395)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(330)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Depreciation
    and amortisation</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(855)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(754)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(298)</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(291)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(246)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating
    expenses</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(6,014)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5,882)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(1,996)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(2,039)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,825)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    before impairment losses</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>6,303&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,996&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>2,336&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,966&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,919&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Impairment
    losses</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(535)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(293)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(153)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(193)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(245)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Operating
    profit before tax</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>5,768&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,703&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>2,183&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,773&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,674&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Tax
    charge</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(1,412)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1,232)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>(502)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(439)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(431)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    from continuing operations</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>4,356&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,471&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>1,681&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,334&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,243&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    from discontinued operations, net of tax</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">12&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Profit
    for the period</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>4,356&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,483&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>1,681&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,334&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,244&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Attributable
    to:</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary
    shareholders</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>4,086&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,271&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>1,598&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,236&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,172&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in
    equity holders</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>268&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">202&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>82&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">96&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">73&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling
    interests</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>2&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>1&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>4,356&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,483&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>1,681&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,334&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,244&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings
    per ordinary share - continuing operations</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>50.7p&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">38.2p&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>19.8p&nbsp;</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.3p&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.1p&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings
    per ordinary share - discontinued operations</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.1p&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    earnings per share attributable to ordinary shareholders - basic&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>50.7p&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">38.3p&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>19.8p&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.3p&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.1p&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings
    per ordinary share - fully diluted continuing operations</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>50.2p&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">37.9p&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>19.6p&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.1p&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.0p&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Earnings
    per ordinary share - fully diluted discontinued operations</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0.1p&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>-&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Total
    earnings per share attributable to ordinary shareholders - fully diluted</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>50.2p&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">38.0p&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: rgb(90,40,125)"><B>19.6p&nbsp;</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">15.1p&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">14.0p&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>


<!-- Field: Page; Sequence: 4; Value: 31 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->34<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><A NAME="sp1_009"></A>Condensed
consolidated statement of comprehensive income</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">for
the period ended 30 September&nbsp;2025 (unaudited)</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>Nine
    months ended</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 64%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; width: 1%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">30
    September</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2024</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; 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 STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Profit
    for the period</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,356</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,483</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,681</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,334</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,244</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Items
    that will not be reclassified subsequently to profit or loss:</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Remeasurement
    of retirement benefit schemes</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>20</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(92)</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>11</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(32)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Changes
    in fair value of financial liabilities designated at fair value through profit or loss (FVTPL) due to changes in credit risk</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(11)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(25)</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(10)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI
    financial assets</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">16</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">35</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">49</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(10)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(8)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(5)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>53</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(62)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(2)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Items
    that will be reclassified subsequently to profit or loss when specific conditions are met:</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">FVOCI
    financial assets</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>76</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">21</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>13</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">29</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(20)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash
    flow hedges&nbsp;(1)</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>778</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">732</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>120</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">475</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">611</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Currency
    translation</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(18)</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(119)</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>77</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(65)</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(77)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Tax</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(224)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(221)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>(32)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(130)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(164)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>612</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">413</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>178</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">309</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">350</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Other
    comprehensive income after tax</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>665</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">351</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>176</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">338</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">363</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total
    comprehensive income for the period</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,021</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,834</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,857</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,672</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,607</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Attributable
    to:</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary
    shareholders</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>4,751</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,622</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,774</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,574</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,535</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Paid-in
    equity holders</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>268</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">202</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>82</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">96</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">73</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling
    interests</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">10</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1</B></FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(1)</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,021</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,834</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>1,857</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,672</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 2pt; font-family: Arial, Helvetica, Sans-Serif; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,607</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 6pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 2%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; width: 98%; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">Refer
    to footnote 4 of the condensed consolidated statement of changes in equity.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>


<!-- Field: Page; Sequence: 5; Value: 31 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->35<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><A NAME="sp1_010"></A><FONT STYLE="color: rgb(90,40,125)">Condensed
consolidated balance sheet</FONT></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)">as
at 30 September&nbsp;2025 (unaudited)</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; text-align: right; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; white-space: nowrap; width: 84%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; 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>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; white-space: nowrap; width: 8%; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; text-align: right; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; white-space: nowrap"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; 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="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; 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 STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="padding-bottom: 1pt; text-align: right; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&pound;m&nbsp;</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; font-family: Arial, Helvetica, Sans-Serif; padding-top: 1pt; background-color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 6pt">&pound;m&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Assets</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: white; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash
    and balances at central banks</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>84,686</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">92,994</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading
    assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>56,856</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">48,917</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>61,119</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">78,406</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Settlement
    balances</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>12,331</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,085</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans
    to banks - amortised cost</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,005</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,030</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Loans
    to customers - amortised cost</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>415,274</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">400,326</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    financial assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>71,595</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">63,243</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Intangible
    assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>7,477</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,588</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    assets</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>8,292</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">8,396</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><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; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>725,635</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">707,985</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Liabilities</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Bank
    deposits</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>44,962</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">31,452</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Customer
    deposits</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>435,490</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">433,490</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Settlement
    balances</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>9,271</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,729</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Trading
    liabilities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>58,402</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54,714</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Derivatives</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>54,114</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">72,082</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    financial liabilities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>67,634</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">61,087</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Subordinated
    liabilities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>6,136</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">6,136</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Notes
    in circulation</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,340</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">3,316</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    liabilities</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>3,905</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,601</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><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; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>683,254</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">668,607</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Equity</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ordinary
    shareholders' interests</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>36,570</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">34,070</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other
    owners' interests</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>5,792</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,280</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Owners'
    equity</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>42,362</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39,350</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Non-controlling
    interests</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>19</B></FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">28</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>Total
    equity</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>42,381</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39,378</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-family: Arial, Helvetica, Sans-Serif">
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; white-space: nowrap; padding-bottom: 2pt"><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; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; background-color: #F2EAF9; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt; color: #5a287d"><B>725,635</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-bottom: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">707,985</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<!-- Field: Page; Sequence: 6; Value: 31 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->36<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<!-- Field: Split-Segment; Name: 6 -->
<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"></P>

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

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp1_011"></A>Condensed
consolidated statement of changes in equity</FONT></P>

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">for the period ended 30 September&nbsp;2025
(unaudited)</FONT></P>


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-top: 1pt; 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: RN House Sans Regular,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: RN House Sans Regular,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="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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>
    <TD STYLE="padding-top: 1pt; width: 37%; 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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>capital
    and</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Paid-in</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Retained</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Cash
    flow</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Foreign</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; padding-bottom: 1pt"><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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>controlling</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 5%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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>
    <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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>reserves
    (3)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Fair
    value</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>hedging
    (4,5)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>exchange
    (6)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>equity</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>At
    1 January&nbsp;2025</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10,133</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,280</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,350</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11,426</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(103)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,443)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>826</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10,881</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>39,350</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>28</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>39,378</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Profit
    attributable to ordinary shareholders</FONT> <FONT STYLE="font-size: 8pt">and other equity owners</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    continuing operations</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,354</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,354</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,356</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    discontinued operations</FONT></TD>
    <TD COLSPAN="8" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Other
    comprehensive income</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Realised gains in period
    on FVOCI equity shares</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>25</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(25)</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Remeasurement of retirement
    benefit schemes</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; text-indent: -0.125in; padding-left: 0.125in; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Changes
    in fair value of credit in financial liabilities</FONT> <FONT STYLE="font-size: 8pt">designated at FVTPL due to own credit risk</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(11)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(11)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(11)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Unrealised gains</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>129</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>129</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>129</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Amounts recognised
    in equity</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>17</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Retranslation of net
    assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>43</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>43</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>43</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Losses on hedges of
    net assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(90)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(90)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(90)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Amount transferred
    from equity to earnings</FONT><FONT STYLE="font-size: 8pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(6)</FONT></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>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: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>761</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>29</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>791</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>791</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Tax</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(9)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(24)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(221)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>20</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(234)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(234)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    comprehensive income</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,379</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>81</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>557</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,019</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,021</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Transactions
    with owners</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Ordinary share dividends
    paid</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2,018)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2,018)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(2,018)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Redemption of paid-in
    equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(736)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(109)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(845)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(845)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Paid-in equity dividends</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(268)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(268)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(268)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Securities issued</FONT><FONT STYLE="font-size: 8pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(2)</FONT></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,248</B></FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,248</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,248</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Purchase of non-controlling
    interest</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(10)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(10)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(11)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(21)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Shares repurchased
    during the period</FONT><FONT STYLE="font-size: 8pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(1,7)</FONT></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(62)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>62</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(304)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(304)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(304)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Employee share schemes</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>76</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Shares vested under
    employee share schemes</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>124</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>124</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>124</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Share-based remuneration</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(10)</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(10)</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(10)</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>At
    30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10,071</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,792</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,536</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>13,162</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(22)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(886)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>828</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>10,881</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>42,362</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>42,381</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">For the notes to this table, refer to the following page.</P>

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


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

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Condensed consolidated statement
of changes in equity for the period ended 30 September&nbsp;2025 (unaudited) continued</FONT></P>

<P STYLE="font: 5pt Calibri, 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 COLSPAN="2" STYLE="padding-top: 1pt; 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: RN House Sans Light,sans-serif; font-size: 6pt">Share</FONT><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <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: RN House Sans Light,sans-serif; font-size: 6pt">Other</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Other
    reserves</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Non</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; 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: RN House Sans Light,sans-serif; font-size: 6pt">capital
    and</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Paid-in</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">statutory</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retained</FONT></TD>
    <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: RN House Sans Light,sans-serif; font-size: 6pt">Cash
    flow</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Foreign</FONT></TD>
    <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: RN House Sans Light,sans-serif; font-size: 6pt">owners'</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">controlling</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Total</FONT><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; 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: RN House Sans Light,sans-serif; font-size: 6pt">share
    premium</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">reserves
    (3)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">earnings</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Fair
    value</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">hedging
    (4,5)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">exchange</FONT><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: RN House Sans Light,sans-serif; font-size: 6pt">Merger</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">equity</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">interests</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">equity</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>At
    1 January&nbsp;2024</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,844</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,890</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,004</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,645</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(49)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,899)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">841</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,881</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">37,157</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">31</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">37,188</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Profit
    attributable to ordinary shareholders</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">and other equity owners</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    continuing operations</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,461</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,461</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,471</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-left: 15.25pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-
    discontinued operations</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Other
    comprehensive income</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Realised
    gains in period on FVOCI equity shares</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">54</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(54)</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Remeasurement
    of retirement benefit schemes</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(92)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(92)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(92)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="text-indent: -0.125in; padding-left: 0.125in; padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Changes
    in fair value of credit in financial liabilities</FONT> <FONT STYLE="font-size: 8pt">designated at FVTPL due to own credit risk</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(25)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(25)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(25)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Unrealised
    gains</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">24</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Amounts
    recognised in equity</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(442)</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(442)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(442)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Retranslation
    of net assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(283)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(283)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(283)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Gains
    on hedges of net assets</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">122</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">122</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">122</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Amount
    transferred from equity to earnings</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,174</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">42</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,229</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,229</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Tax</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">25</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">9</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(198)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(18)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(182)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(182)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    comprehensive income/(loss)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,435</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(8)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">534</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(137)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,824</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,834</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Transactions
    with owners</B></FONT></TD>
    <TD COLSPAN="11" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Ordinary
    share dividends paid</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,505)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,505)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,505)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Paid-in
    equity dividends</FONT></TD>
    <TD COLSPAN="3" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(202)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(202)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(202)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Securities
    issued</FONT><FONT STYLE="font-size: 8pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(2)</FONT></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">800</FONT></TD>
    <TD COLSPAN="6" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">800</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">800</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Shares
    repurchased during the period</FONT><FONT STYLE="font-size: 8pt">&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">(1,7)</FONT></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(428)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">428</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,171)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,171)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,171)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Shares
    vested under employee share schemes</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">142</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(7)</FONT></TD>
    <TD COLSPAN="4" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">135</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">135</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own
    shares acquired</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(540)</FONT></TD>
    <TD COLSPAN="5" STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(540)</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(540)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; padding-top: 1pt; border-bottom: black 1pt solid; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>At
    30 September&nbsp;2024</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,416</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,690</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,034</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11,195</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(57)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,365)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">704</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,881</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">38,498</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 1pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">38,539</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">As part of the On Market Share Buyback Programmes NatWest Group plc repurchased and cancelled 58.9 million shares (September&nbsp;2024 &ndash; 173.3 million shares), of which one million shares were settled in October&nbsp;2025. The total consideration of these shares excluding fees was &pound;308.3 million (September&nbsp;2024 &ndash; &pound;450.9 million), of which &pound;5.1 million were settled in October&nbsp;2025. Included in the retained earnings reserve movement is 2.3 million shares which were repurchased and cancelled in December&nbsp;2023, settled in January&nbsp;2024 for a total consideration of &pound;4.9 million. The nominal value of the share cancellations was transferred to the capital redemption reserve.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(2)</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">The issuance above is after netting of issuance fees of &pound;2.8 million (September&nbsp;2024 &ndash; &pound;2.4 million), and the associated tax credit of &pound;0.7 million (September&nbsp;2024 &ndash; &pound;0.7 million).</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(3)</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Other statutory reserves consist of Capital redemption reserves of &pound;3,280 million (September&nbsp;2024 - &pound;2,935 million) and Own shares held reserves of (&pound;744) million (September&nbsp;2024 &ndash; (&pound;901) million).</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(4)</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,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 medium term tenors in the year, where the portfolio of swaps are net receive fixed from an interest rate risk perspective.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(5)</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,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>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(6)</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Includes &pound;29 million FX recycled to profit or loss upon redemption of paid-in equity and capital repatriation.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(7)</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">In June&nbsp;2024, there was an agreement to buy 392.4 million ordinary shares of the Company from His Majesty&rsquo;s Treasury (HM Treasury) at 316.2 pence per share for total consideration of &pound;1.2 billion. NatWest Group cancelled 222.4 million of the purchased ordinary shares, amounting to &pound;706.9 million excluding fees and held the remaining 170.0 million shares as Own Shares Held, amounting to &pound;540.2 million excluding fees. The nominal value of the share cancellation was transferred to the capital redemption reserve. There were no repurchases in 2025.</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 36%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"></P>


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

<P STYLE="font: 16pt Knile; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><B>Notes</B></FONT></P>

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

<DIV STYLE="float: left; width: 49%">

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp1_013"></A>1. Presentation of condensed consolidated financial statements</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,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&nbsp;20-F. The accounting policies are the same as those applied in the consolidated
financial statements.</P>

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

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

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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp1_012"></A>2. Litigation
and regulatory matters</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">NatWest Group plc&rsquo;s Interim Results 2025 on Form&nbsp;6-K, issued
on 25 July&nbsp;2025, included disclosures about NatWest Group's litigation and regulatory matters in Note 14. Set out below are the material
developments in those matters (which have been previously disclosed) since publication of the Interim Results 2025 on Form&nbsp;6-K.</P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Litigation</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">London Interbank Offered Rate
(LIBOR) and other rates litigation</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">NatWest Group plc and certain other members of NatWest Group, including
NWM Plc, are defendants in a number of claims pending in the United States District Court for the Southern District of New York (SDNY)
with respect to the setting of USD LIBOR. The complainants allege that certain members of NatWest Group and other panel banks violated
various federal laws, including the US commodities and antitrust laws, and state statutory and common law, as well as contracts, by manipulating
LIBOR and prices of LIBOR-based derivatives in various markets through various means.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The co-ordinated proceeding in the SDNY relating to USD LIBOR now includes
one remaining class action, which is on behalf of persons who purchased LIBOR-linked instruments from defendants and bonds issued by defendants,
as well as several non-class actions. On 25 September&nbsp;2025, the SDNY granted summary judgment to the defendants on the issue of liability
and dismissed all claims in both the class action and the non-class actions. The decision remains subject to appeal in the United States
Court of Appeals for the Second Circuit (US Court of Appeals).</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Two other IBOR-related class actions involving NWM Plc, concerning
alleged manipulation of Euribor and Pound Sterling LIBOR, were previously dismissed by the SDNY for various reasons. However, on 22 August&nbsp;2025,
the US Court of Appeal reversed the SDNY&rsquo;s decision in the Euribor case, reinstating claims against NWM Plc. That case will therefore
return to the SDNY for further proceedings.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">On 15 September&nbsp;2025, the US Court of Appeals affirmed the SDNY&rsquo;s
dismissal of the Pound Sterling LIBOR case.</P>

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

</DIV>

<DIV STYLE="float: right; width: 49%">

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Foreign exchange litigation</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,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.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">In May&nbsp;2025, NWM Plc executed an agreement to settle the claim
in the Federal Court of Australia, which the court approved in August&nbsp;2025. The settlement amount is covered in full by an existing
provision.</P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Odd lot corporate bond trading
antitrust litigation</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">In July&nbsp;2024, the US Court of Appeals vacated the SDNY's October&nbsp;2021
dismissal of the class action antitrust complaint alleging that, from August&nbsp;2006 onwards, various securities dealers, including
NWMSI, conspired artificially to widen spreads for odd lots of corporate bonds bought or sold in the United States secondary market and
to boycott electronic trading platforms that would have allegedly promoted pricing competition in the market for such bonds.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The appellate court held that the district judge who made the decision
should not have been presiding over the case because a member of the judge&rsquo;s family had owned stock in one of the defendants while
the motion was pending.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">On 2 September&nbsp;2025, a different judge in the SDNY again dismissed
the complaint in this action on the ground that the plaintiffs have failed to plead antitrust conspiracy. The plaintiffs did not appeal
the decision within the time required for an appeal.</P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Offshoring VAT assessments</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">HMRC, as part of an industry-wide review, issued protective tax assessments
in 2018 against NatWest Group plc totalling &pound;143 million relating to unpaid VAT in respect of the UK branches of two NatWest Group
companies registered in India for the period from 1 January&nbsp;2014 until 31 December&nbsp;2017 inclusive. NatWest Group formally requested
reconsideration by HMRC of their assessments, and this process was completed in November&nbsp;2020. HMRC upheld their original decision
and, as a result, NatWest Group plc lodged an appeal with the Tax Tribunal and an application for judicial review with the High Court
of Justice of England and Wales, both in December&nbsp;2020.</P>

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

<P STYLE="font: 9pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: RN House Sans Light,sans-serif">In order
to lodge the appeal with the Tax Tribunal, NatWest Group plc was required to pay amounts totalling &pound;153 million (including statutory
interest) to HMRC in December&nbsp;2020 and May&nbsp;2022. The appeal and the application for judicial review were previously stayed behind
a separate case involving another bank.</FONT>&nbsp;</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">NatWest Group plc was informed in late 2024 that the other bank had
settled its case with HMRC by agreement. NatWest Group plc is progressing its appeal before the Tax Tribunal in its own name. NatWest
Group plc will also continue to review next steps relevant to the judicial review.</P>

</DIV>

<DIV STYLE="clear: both; width: 100%">

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

</DIV>

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


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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Notes continued</FONT></P>

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

<DIV STYLE="float: left; width: 48%">

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">2. Litigation and regulatory
matters continued</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The amount of &pound;153 million continues to be recognised as an asset
that NatWest Group plc expects to recover. Since 1 January&nbsp;2018, NatWest Group plc has paid VAT on intra-group supplies from India-registered
NatWest Group companies.</P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">US Anti-Terrorism Act litigation</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">NWM N.V. and certain other financial institutions are defendants in
several actions filed by a number of US nationals (or their estates, survivors, or heirs), most of whom are, or were, US military personnel
who were killed or injured in attacks in Iraq between 2003 and 2011.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">NWM Plc is also a defendant in some of these cases.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">According to the plaintiffs&rsquo; allegations, the defendants are
liable for damages arising from the attacks because they allegedly conspired with and/or aided and abetted Iran and certain Iranian banks
to assist Iran in transferring money to Hezbollah and the Iraqi terror cells that committed the attacks, in violation of the US Anti-Terrorism
Act, by agreeing to engage in &lsquo;stripping&rsquo; of transactions initiated by the Iranian banks so that the Iranian nexus to the
transactions would not be detected.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The first of these actions, alleging conspiracy claims but not aiding
and abetting claims, was filed in the United States District Court for the Eastern District of New York in November&nbsp;2014. In September&nbsp;2019,
the district court dismissed the case, finding that the claims were deficient for several reasons, including lack of sufficient allegations
as to the alleged conspiracy and causation. In January&nbsp;2023, the US Court of Appeals affirmed the district court&rsquo;s dismissal
of this case.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">On 30 September&nbsp;2025, the district court denied a motion by the
plaintiffs to re-open the case to assert aiding and abetting claims that they previously did not assert. Another action, filed in the
SDNY in 2017, which asserted both conspiracy and aiding and abetting claims, was dismissed by the SDNY in March&nbsp;2019 on similar grounds
as the first case, but remains subject to appeal to the US Court of Appeals.</P>

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

<P STYLE="font: 12pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">Other follow-on actions that are substantially
similar to those described above are pending in the same courts</FONT><FONT STYLE="font-size: 8.5pt">.</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>Regulatory matters</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">US investigations relating to
fixed-income securities</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">In December&nbsp;2021, NWM Plc pled guilty in the United States District
Court for the District of Connecticut to one count of wire fraud and one count of securities fraud in connection with historical spoofing
conduct by former employees in US Treasuries markets between January&nbsp;2008 and May&nbsp;2014 and, separately, during approximately
three months in 2018. The 2018 trading occurred during the term of a non-prosecution agreement (NPA) between NWMSI and the United States
Attorney's Office for the District of Connecticut (USAO CT), under which non-prosecution</P>

</DIV>

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

<DIV STYLE="float: right; width: 49%">

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">conditioned on NWMSI and affiliated companies not engaging in criminal
conduct during the term of the NPA. The relevant trading in 2018 was conducted by two NWM traders in Singapore and breached that NPA.
The plea agreement reached with the US Department of Justice (DOJ) and the USAO CT resolved both the spoofing conduct and the breach of
the NPA.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The DOJ and USAO CT paused the monitorship in May&nbsp;2025 and, following
a review, determined that a monitorship was no longer necessary as a result of NWM&rsquo;s notable progress in strengthening its compliance
programme, certain of NWM&rsquo;s remedial improvements, internal controls, and the status of implementation of Monitor recommendations,
and that reporting by NWM to the DOJ and USAO CT on its continued compliance programme progress provided an appropriate degree of oversight.
The court approved the amended plea agreement and extended NWM&rsquo;s obligations under the plea agreement and probation until December&nbsp;2026.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">In the event that NWM Plc does not meet its obligations to the DOJ,
this may lead to adverse consequences such as increased costs, findings that NWM Plc violated its probation term, and possible re-sentencing,
amongst other consequences. Other material adverse collateral consequences may occur as a result of this matter, as further described
in the Risk Factor relating to legal, regulatory and governmental actions and investigations set out on page&nbsp;300 of the NatWest Group
2024 Annual Report on Form&nbsp;20-F.</P>

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

<P STYLE="font: 9pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Review and investigation of
treatment of tracker mortgage customers in Ulster Bank Ireland DAC</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">In December&nbsp;2015, correspondence was received from the Central
Bank of Ireland setting out an industry examination framework in respect of the sale of tracker mortgages from approximately 2001 until
the end of 2015.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The redress and compensation process has now largely concluded, although
a small number of cases remain outstanding relating to uncontactable customers.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Ulydien (formerly UBIDAC) customers have lodged tracker mortgage complaints
with the Financial Services and Pensions Ombudsman (FSPO). UBIDAC challenged three FSPO adjudications in the Irish High Court. In June&nbsp;2023,
the High Court found in favour of the FSPO in all matters. UBIDAC appealed that decision to the Court of Appeal. In September&nbsp;2024,
the Court of Appeal allowed UBIDAC&rsquo;s appeal and set aside certain findings of the FSPO. The Court of Appeal directed one aspect
of the FSPO decisions to be remitted to the FSPO for its consideration following an oral hearing.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Decisions are awaited from the FSPO in respect of these cases.</P>

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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp1_014"></A>3. Post
balance sheet events</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">As part of the ongoing on-market share buyback programme, NatWest Group plc has repurchased and cancelled a further 12.2 million shares
since 30 September 2025 for a total consideration (excluding fees) of &pound;65.99 million.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">There have been no significant events between 30 September&nbsp;2025
and the date of approval of this announcement which would require a change to, or additional disclosure, in the announcement.</P>

</DIV>

<DIV STYLE="clear: both; width: 100%">

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

</DIV>

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


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

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

<P STYLE="font: 16pt Knile; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A NAME="sp1_015"></A><FONT STYLE="color: rgb(90,40,125)">Additional
information</FONT></FONT></P>

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

<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><A NAME="sp1_016"></A>Other
financial data</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The following table shows NatWest Group&rsquo;s issued and fully paid
share capital, owners&rsquo; equity and indebtedness on a consolidated basis in accordance with IFRS as at 30 September&nbsp;2025.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 83%">&nbsp;</TD>
    <TD STYLE="width: 17%; background-color: #F2E8F9"><P STYLE="font: 8pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: right"><FONT STYLE="color: rgb(90,40,125)"><B>As
                                            at<BR>
                                            30 September</B></FONT></P>
    <P STYLE="font: 8pt RN House Sans Regular,sans-serif; margin: 0pt 0; text-align: right"><FONT STYLE="color: rgb(90,40,125)"><B>2025</B></FONT></P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>&pound;m</B></FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt; color: #5a287d"><B>Share capital - allotted, called up and fully paid</B></FONT></TD>
    <TD STYLE="background-color: #F2E8F9; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Ordinary shares of &pound;1.0769</FONT></TD>
    <TD STYLE="background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,910</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Retained earnings and other reserves</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>33,452</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Owners&rsquo; equity</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>42,362</B></FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="background-color: #F2E8F9; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt; color: #5a287d"><B>NatWest Group indebtedness</B></FONT></TD>
    <TD STYLE="background-color: #F2E8F9; text-align: right">&nbsp;</TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Trading liabilities - debt securities in issue</FONT></TD>
    <TD STYLE="background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>231</B></FONT></TD></TR>
  <TR>
    <TD><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Other financial liabilities &ndash; debt securities in issue</FONT></TD>
    <TD STYLE="background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>65,520</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Subordinated liabilities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,136</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Total indebtedness</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>71,887</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8.5pt">Total capitalisation and indebtedness</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: #F2E8F9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>114,249</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 8pt RN House Sans Light,sans-serif; margin: 0pt 0"></P>

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

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

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The information contained in the table above has not changed materially
since 30 September&nbsp;2025.</P>

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


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

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

<P STYLE="font: 16pt Knile; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><A NAME="sp1_017"></A>Non-IFRS
financial measures</FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,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: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The non-IFRS measures provide users of the financial statements with
a consistent basis for comparing business performance between financial periods and information on elements of performance that are one-off
in nature. The non-IFRS measures also include a calculation of metrics that are used throughout the banking industry.</P>

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

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">These non-IFRS measures are not a substitute for IFRS measures and
a reconciliation to the closest IFRS measure is presented where appropriate.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #5A287D">
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt 5.4pt 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: white">Measure</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 3pt 5.4pt 4pt; width: 71%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: white">Description</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Cost:income ratio (excl. litigation and conduct)</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 2. Cost:income ratio (excl. litigation and conduct)
    on page&nbsp;44.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 4pt"><FONT STYLE="font-family: RN House Sans Light,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="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Customer deposits excluding central items</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to Segment performance on pages&nbsp;14-18 for components of
    calculation.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 4pt">
    <P STYLE="font: 9pt Calibri, 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&nbsp;&amp; other customer
    deposits. Central items&nbsp;&amp; other includes Treasury repo activity. </FONT>&nbsp;<FONT STYLE="font-family: RN House Sans Light,sans-serif">The
    exclusion of Central items&nbsp;&amp; other removes the volatility relating to Treasury repo activity and the reduction of deposits as
    part of our withdrawal from the Republic of Ireland. </FONT></P>
    <P STYLE="font: 9pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>
    <P STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: RN House Sans Light,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-size: 11pt">&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Funded assets</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to Condensed consolidated balance sheet on page&nbsp;36 for components
    of calculation.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 4pt"><FONT STYLE="font-family: RN House Sans Light,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: RN House Sans Light,sans-serif; font-size: 4pt; color: white; background-color: fuchsia"></FONT></TD></TR>
  <TR STYLE="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Loan:deposit ratio (excl. repos and reverse repos)</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 5. Loan:deposit ratio (excl. repos and reverse repos)
    on page&nbsp;45.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Loan:deposit ratio (excl. repos and reverse repos) is calculated as
    net loans to customers &ndash; amortised cost excluding reverse repos divided by total customer deposits excluding repos. This metric
    is used to assess liquidity.</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 5pt">&nbsp;</FONT></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">The removal of repos and reverse repos reduces volatility and presents
    the ratio on a basis that is comparable to UK peers. The nearest ratio using IFRS measures is loan:deposit ratio. This is calculated as
    net loans to customers &ndash; amortised cost divided by customer deposits.</P></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding: 3pt 5.4pt 4pt; border-bottom: Black 1pt solid">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>NatWest Group Return on Tangible Equity</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 7. NatWest Group Return on Tangible Equity on page&nbsp;46.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 3pt 5.4pt 4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">NatWest Group Return on Tangible Equity comprises annualised profit or loss for the period attributable to ordinary shareholders divided by average tangible equity. Average tangible equity is average total equity excluding average non-controlling interests, average other owners&rsquo; equity and average intangible assets. This measure shows the return NatWest Group generates on tangible equity deployed. It is used to determine relative performance of banks and used widely across the sector, although different banks may calculate the rate differently. The nearest ratio using IFRS measures is return on equity - this comprises profit attributable to ordinary shareholders divided by average total equity.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"></P>

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

<P STYLE="font: 10pt 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="font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="font: 8pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left"><TD STYLE="width: 33%"><B>NatWest Group</B> - Form 6-K Q3 2025</TD><TD STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; width: 34%">&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->42<!-- Field: /Sequence --></TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<!-- Field: Split-Segment; Name: 7 -->
<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Non-IFRS financial measures continued</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #5A287D">
    <TD STYLE="border-top: Black 1pt solid; padding-bottom: 5pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: white">Measure</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-bottom: 5pt; width: 71%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt; color: white">Description</FONT></TD></TR>
  <TR STYLE="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Net interest margin and average interest earning assets</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to Segment performance on pages&nbsp;14-18 for components of
    calculation.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Net interest margin is net interest income, as a percentage of average
    interest earning assets (IEA).</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">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 &ndash; amortised cost, loans to customers &ndash; amortised
    cost and other financial assets. It excludes trading balances and assets in treasury repurchase agreements that have not been derecognised.
    Average IEA shows the average asset base generating interest over the period.</P></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Net loans to customers excluding central items</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to Segment performance on pages&nbsp;14-18 for components of
    calculation.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Net loans to customers excluding central items is calculated as total
    NatWest Group net loans to customers excluding Central items&nbsp;&amp; other net loans to customers. Central items&nbsp;&amp; other includes
    Treasury reverse repo activity. The exclusion of Central items&nbsp;&amp; other removes the volatility relating to Treasury reverse repo
    activity and the reduction of loans to customers as part of our withdrawal from the Republic of Ireland.</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 9pt RN House Sans Light,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="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Operating expenses excluding litigation and conduct</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 4. Operating expenses excluding litigation and conduct
    on page&nbsp;45.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Light,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>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Segment return on equity</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 8. Segment return on equity on page&nbsp;46.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Segment return on equity comprises segmental operating profit or loss, adjusted for paid-in equity and tax, divided by average notional equity. Average RWAe is defined as average segmental RWAs incorporating the effect of capital deductions. This is multiplied by an allocated equity factor for each segment to calculate the average notional equity. This measure shows the return generated by operating segments on equity deployed.</FONT></TD></TR>
  <TR STYLE="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Tangible net asset value (TNAV) per ordinary share</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>&nbsp;</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 3. Tangible net asset value (TNAV) per ordinary share
    on page&nbsp;44.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">TNAV per ordinary share is calculated as tangible equity divided by the number of ordinary shares in issue. This is a measure used by external analysts in valuing the bank and allows for comparison with other per ordinary share metrics including the share price. The nearest ratio using IFRS measures is: net asset value (NAV) per ordinary share - this comprises ordinary shareholders&rsquo; interests divided by the number of ordinary shares in issue.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Total combined assets and liabilities (CAL) &ndash; Private Banking&nbsp;&amp;
    Wealth Management</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 6. Total combined assets and liabilities (CAL) &ndash;
    Private Banking&nbsp;&amp; Wealth Management on page&nbsp;45.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">CAL refers to customer deposits, net loans to customers &ndash; amortised
    cost and AUMA. To avoid double counting, investment cash is deducted as it is reported within customer deposits and AUMA.</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 2pt">&nbsp;</FONT></P>
    <P STYLE="font: 9pt RN House Sans Light,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="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt 5.4pt">
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><B>Total income excluding notable items</B></P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Refer to table 1. Total income excluding notable items on page&nbsp;44.</P></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 2pt 5.4pt"><FONT STYLE="font-family: RN House Sans Light,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: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">&nbsp;</P>

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

<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 43 -->
    <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="font-size: 8pt; vertical-align: top; text-align: left"><TD STYLE="font-size: 8pt; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group -</B> Form 6-K Q3 2025</FONT></TD><TD STYLE="font-size: 8pt; width: 34%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->43<!-- Field: /Sequence --></FONT></TD><TD STYLE="font-size: 8pt; width: 33%; text-align: right"><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 Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Non-IFRS financial measures continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>1. Total income excluding
notable items</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="padding-bottom: 2pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-bottom: 2pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Nine
    months ended</B></FONT></TD>
    <TD STYLE="padding-bottom: 2pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 2pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; width: 64%; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 1%; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Continuing
    operations</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12,317</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,878</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,332</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,005</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,744</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Less
    notable items:</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Commercial&nbsp;&amp;
    Institutional</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Own credit adjustments (OCA)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>-</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Central
    items&nbsp;&amp; other</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Share of associate profits/(losses) for Business Growth
    Fund</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>55</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">22</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>41</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Interest and foreign exchange management derivatives not
    in hedge accounting relationships</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>168</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">131</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>162</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;</FONT>
    <FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Foreign exchange recycling losses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(37)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(46)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(37)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(46)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>189</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">102</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>166</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(28)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    income excluding notable items</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12,128</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,776</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,166</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,010</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,772</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>2. Cost:income ratio (excl.
litigation and conduct)</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Nine
    months ended</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 64%; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 1%; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Continuing
    operations</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating
    expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,014</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,882</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,996</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,039</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,825</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Less
    litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(130)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(142)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(12)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(74)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(41)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other
    operating expenses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,884</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,740</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,984</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,965</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,784</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total
    income</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12,317</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">10,878</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,332</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,005</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,744</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cost:income
    ratio</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>48.8%</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">54.1%</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>46.1%</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">50.9%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">48.7%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Cost:income
    ratio (excl. litigation and conduct)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>47.8%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">52.8%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>45.8%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">49.1%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">47.6%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>3. Tangible net asset value
(TNAV) per ordinary share</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; width: 79%; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; padding-bottom: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Ordinary shareholders' interests (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>36,570</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">35,929</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">34,070</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Less intangible assets (&pound;m)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(7,477)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(7,513)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(7,588)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Tangible equity (&pound;m)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>29,093</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">28,416</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">26,482</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Ordinary shares in issue (millions)</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">(1)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8,031</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">8,088</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">8,043</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>NAV per ordinary share (pence)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>455p</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">444p</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">424p</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>TNAV per ordinary share (pence)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>362p</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">351p</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">329p</FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 6pt RN House Sans Light,sans-serif; margin-top: 0pt; margin-bottom: 0pt"><TR>
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD>The number of ordinary shares in issue excludes own shares held.</TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 2; Value: 43 -->
    <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="font-size: 8pt; vertical-align: top; text-align: left"><TD STYLE="font-size: 8pt; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group -</B> Form 6-K Q3 2025</FONT></TD><TD STYLE="font-size: 8pt; width: 34%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->44<!-- Field: /Sequence --></FONT></TD><TD STYLE="font-size: 8pt; width: 33%; text-align: right"><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 Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Non-IFRS financial measures continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="color: rgb(90,40,125)"><B>4.
Operating expenses excluding litigation and conduct </B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Nine
    months ended</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; width: 64%; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</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: 7%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</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; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 6pt">2024</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: RN House Sans Regular,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: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Other
    operating expenses</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Staff expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,144</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,060</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,045</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,044</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">947</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Premises and equipment</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>902</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">863</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>318</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">293</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">284</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other administrative
    expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>983</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,063</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>323</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">337</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">307</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Depreciation
    and amortisation</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>855</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">754</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>298</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">291</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">246</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total
    other operating expenses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,884</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,740</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,984</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,965</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,784</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Litigation
    and conduct costs</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Staff expenses</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>49</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">52</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">16</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Premises and equipment</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">-</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Other
    administrative expenses</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>77</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(8)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">58</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">23</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Total
    litigation and conduct costs</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>130</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">142</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">74</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; padding-bottom: 0.5pt"><FONT STYLE="font-size: 4pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total
    operating expenses</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,014</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,882</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,996</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,039</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,825</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Operating
    expenses excluding litigation and conduct</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,884</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">5,740</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,984</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,965</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,784</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>5. Loan:deposit ratio (excl.
repos and reverse repos)</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: white">
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 79%; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loans to customers - amortised cost</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>415,274</B></FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">407,135</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">400,326</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Less reverse repos</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(33,604)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(30,400)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(34,846)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Loans to customers - amortised cost (excl. reverse repos)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>381,670</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">376,735</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">365,480</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>435,490</B></FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">436,756</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">433,490</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Less repos</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1,412)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(988)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1,363)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; background-color: white"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Customer deposits (excl. repos)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>434,078</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">435,768</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">432,127</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loan:deposit ratio (%)</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>95%</B></FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">93%</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">92%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Loan:deposit ratio (excl. repos and reverse repos) (%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>88%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">86%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">85%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>6. Total combined assets
and liabilities (CAL) &ndash; Private Banking&nbsp;&amp; Wealth Management</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>As
    at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 79%"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">31
    December</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;bn</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;bn</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;bn</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Net loans to customers (amortised cost)</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>18.8</B></FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18.6</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18.2</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Customer deposits</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>40.6</B></FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41.3</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">42.4</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Assets under management and administration (AUMA)</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>56.0</B></FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">51.8</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">48.9</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Less investment cash included in both customer deposits and AUMA</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(1.2)</B></FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.3)</FONT></TD>
    <TD STYLE="padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(1.1)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt; color: #5a287d"><B>Total combined assets and liabilities (CAL)</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>114.2</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">110.4</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-bottom: 0.5pt; padding-top: 0.5pt; white-space: nowrap; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">108.4</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: 3; Value: 43 -->
    <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="font-size: 8pt; vertical-align: top; text-align: left"><TD STYLE="font-size: 8pt; width: 33%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NatWest Group -</B> Form 6-K Q3 2025</FONT></TD><TD STYLE="font-size: 8pt; width: 34%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->45<!-- Field: /Sequence --></FONT></TD><TD STYLE="font-size: 8pt; width: 33%; text-align: right"><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: 9pt RN House Sans Light,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">Non-IFRS financial measures continued</FONT></P>

<P STYLE="font: 10pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)">&nbsp;</FONT></P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>7. NatWest Group Return
on Tangible Equity</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt 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="2" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Nine
    months ended and as at</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended and as at</B></FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; width: 64%; background-color: white; 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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</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: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>30
    September</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    June</FONT></TD>
    <TD STYLE="padding-top: 1pt; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">30
    September</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</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: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>2025</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2025</FONT></TD>
    <TD STYLE="padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">2024</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&pound;m</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&pound;m</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Profit attributable
    to ordinary shareholders</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>4,086</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">3,271</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,598</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,236</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,172</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Annualised profit attributable
    to ordinary shareholders</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>5,448</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,361</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>6,392</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,944</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">4,688</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average total equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>41,043</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">37,707</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>41,667</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">41,474</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">37,960</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjustment
    for average other owners' equity and intangible assets</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(13,175)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(12,040)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(12,954)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(13,529)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(12,375)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjusted
    total tangible equity</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>27,868</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">25,667</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>28,713</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">27,945</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; border-bottom: black 1pt solid; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">25,585</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return on equity</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>13.3%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.6%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15.3%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.9%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12.3%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return
    on Tangible Equity</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19.5%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.0%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>22.3%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.7%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">18.3%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt RN House Sans Regular,sans-serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt RN House Sans Regular,sans-serif; margin: 0pt 0"><FONT STYLE="color: rgb(90,40,125)"><B>8. Segment return on equity</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: center"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Nine
    months ended 30 September&nbsp;2025</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: center"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Nine
    months ended 30 September&nbsp;2024</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Private
    Banking</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Private
    Banking</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; padding-top: 1pt; white-space: nowrap; background-color: white"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 57%; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Retail</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: Calibri, Helvetica, Sans-Serif; font-size: 6pt; color: #5a287d"><B>&nbsp;</B></FONT><B><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d">&amp;
    Wealth</FONT></B></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Commercial</B></FONT><B><FONT STYLE="font-size: 6pt; color: #5a287d">&nbsp;</FONT></B></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: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 6pt">&nbsp;</FONT><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp;
    Wealth</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Commercial</FONT><FONT STYLE="font-size: 6pt">&nbsp;</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Management</B></FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp;
    Institutional</B></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: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Management</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp;
    Institutional</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating
    profit (&pound;m)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,335</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>287</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>3,025</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,754</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">189</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,724</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Paid-in
    equity cost allocation (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(75)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(13)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(181)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(56)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(13)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(130)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjustment
    for tax (&pound;m)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(633)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(77)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(711)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(475)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(49)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(649)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjusted
    attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,627</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>197</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,133</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,223</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">127</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,946</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Annualised
    adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,170</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>263</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,844</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,630</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">169</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,594</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average
    RWAe (&pound;bn)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>68.7</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.3</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>107.8</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">62.7</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.1</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">108.0</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Equity
    factor</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12.8%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.1%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>13.9%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.4%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.2%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average
    notional equity (&pound;bn)</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>8.8</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.3</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15.0</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">8.4</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.2</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">14.9</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return
    on equity (%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>24.7%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>21.0%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19.0%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.4%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.6%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.4%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt 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: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Quarter
    ended 30 September&nbsp;2025</B></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 COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Quarter
    ended 30 June&nbsp;2025</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 COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Quarter
    ended 30 September&nbsp;2024</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; 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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Private
    Banking</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="2" 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; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Private
    Banking</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 COLSPAN="2" 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; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Private
    Banking</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 35%; background-color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 6pt">&nbsp;</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Retail</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp;
    Wealth</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: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Commercial</B></FONT><B><FONT STYLE="font-size: 6pt; color: #5a287d">&nbsp;</FONT></B></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: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp;
    Wealth</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Commercial</FONT><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: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Retail</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp;
    Wealth</FONT></TD>
    <TD STYLE="padding-top: 1pt; white-space: nowrap; width: 7%; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Commercial</FONT><FONT STYLE="font-size: 6pt">&nbsp;</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="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Banking</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>Management</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 6pt; color: #5a287d"><B>&amp;
    Institutional</B></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="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Management</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp;
    Institutional</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="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Banking</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">Management</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 1pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 1pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 6pt">&amp;
    Institutional</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Operating
    profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>850</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>108</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1,041</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">735</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">102</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">964</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">656</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">90</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,017</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Paid-in
    equity cost allocation (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(26)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(5)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(52)</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(26)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(66)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(22)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(47)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjustment
    for tax (&pound;m)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(231)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(29)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>(247)</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(199)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(27)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(225)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(178)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(24)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">(243)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Adjusted
    attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>593</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>74</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>742</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">510</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">71</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">673</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">456</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">61</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">728</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Annualised
    adjusted attributable profit (&pound;m)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,373</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>297</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>2,967</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,042</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">282</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,694</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1,826</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">245</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">2,910</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average
    RWAe (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>70.2</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.4</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>108.2</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">68.9</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.3</FONT></TD>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">108.3</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">63.8</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.1</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">106.0</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Equity
    factor</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>12.8%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>11.1%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>13.9%</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">12.8%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.1%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.9%</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.4%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">11.2%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">13.8%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Average
    notional equity (&pound;bn)</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>9.0</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>1.3</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>15.0</B></FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">8.8</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.3</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">15.1</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">8.5</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">1.2</FONT></TD>
    <TD STYLE="padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">14.6</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">Return
    on equity (%)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>26.4%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>23.4%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: #F2EAF9; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 8pt; color: #5a287d"><B>19.7%</B></FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">23.2%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">22.5%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">17.9%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; padding-bottom: 0.5pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">21.4%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.7%</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; padding-top: 0.5pt; white-space: nowrap; background-color: white; text-align: right; padding-bottom: 0.5pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 8pt">19.9%</FONT></TD></TR>
  </TABLE>
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<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: rgb(90,40,125)"><B><A NAME="sp1_018"></A>Performance
measures not defined under IFRS</B></FONT></P>

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

<P STYLE="font: 9pt RN House Sans Light,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>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #5A287D">
    <TD STYLE="border-top: Black 1pt solid; width: 21%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: white">Measure</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; width: 79%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Regular,sans-serif; font-size: 9pt; color: white">Description</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">AUMA</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">AUMA comprises both assets under management (AUM) and assets under administration (AUA) serviced through the Private Banking&nbsp;&amp; Wealth Management segment. AUM comprise assets where the investment management is undertaken by Private Banking&nbsp;&amp; Wealth Management on behalf of Private Banking&nbsp;&amp; Wealth Management, Retail Banking and Commercial&nbsp;&amp; Institutional customers. AUA comprise i) third party assets held on an execution-only basis in custody by Private Banking&nbsp;&amp; Wealth Management, Retail Banking and Commercial&nbsp;&amp; Institutional for their customers, for which the execution services are supported by Private Banking&nbsp;&amp; Wealth Management ii) AUA of Cushon, acquired on 1 June&nbsp;2023, which are supported by Private Banking&nbsp;&amp; Wealth Management and held and managed by third parties. 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.</FONT></TD></TR>
  <TR STYLE="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">AUMA income</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">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. 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.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">AUMA net flows</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">AUMA net flows represents assets under management (AUM net flows) and assets under administration (AUA net flows). 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&nbsp;&amp; Wealth Management, Retail Banking and Commercial&nbsp;&amp; Institutional.</FONT></TD></TR>
  <TR STYLE="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Capital generation pre-distributions</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Capital generation pre-distributions refers to the change in the CET1 ratio in the period, before distributions to ordinary shareholders. It reflects the capital generated through business activities and all other movements, including attributable profit for the period, impacts from acquisitions and disposals, and risk-weighted asset (RWA) changes, prior to the deduction of ordinary shareholder distributions such as ordinary dividends and share buybacks. It is used to show the capital generated in the period that is available for deployment in the business and distribution to shareholders.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Climate and transition finance</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">The climate and transition finance target enables NatWest Group to quantify the level of financing and facilitation provided by NatWest Group that could support customers in achieving their climate and/or transition ambitions, through lending and underwriting activities. The climate and transition finance framework, available on the NatWest Group website, underpins the target to provide &pound;200 billion in climate and transition finance between 1 July&nbsp;2025 and the end of 2030.</FONT></TD></TR>
  <TR STYLE="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Loan impairment rate</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,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>
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Third party rates</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,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="background-color: #F2EAF9">
    <TD STYLE="border-right: Black 1pt solid; padding-bottom: 5pt; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,sans-serif; font-size: 9pt">Wholesale funding</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 5pt; padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: RN House Sans Light,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>
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<P STYLE="font: 9pt RN House Sans Light,sans-serif; margin: 0pt 0">Legal Entity Identifier: 2138005O9XJIJN4JPN90</P>

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

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<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>

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

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

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">24 October&nbsp;2025</P>

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